You win $2 million in the lottery and have to choose between the following options:

Option 1) $2,000,000 today

Option 2) 10 annual payments of $245,000 per year starting today.

Option 3) $80,000 per year every year forever starting one year from today.

Option 4) 10 payments of $255,000 per year starting 2 years from today.

Regardless of the option you choose, you would invest the funds in an investment earning 4% compounded quarterly.

Which option is the best?