You win the lottery for $20,000,000! They ask if you would rather receive $20,000,000 today or $2,040,000 every year for the next 20 years. If you assume an 8% annual rate of return, by choosing to take the $20,000,000 today rather than the $2,040,000 every year for the next 20 years, how much will you technically gain or lose?

-Lose $20,800,000

-Gain $31,030

-Gain $29,020

-Lose $29,020

-Gain $20,800,000