You won a 2 million lottery. You are given the following options to get paid on your winnings. :

OPTION A: receive $20,000 per month at the end of each month until 60th month, & $80,000 per month from 61st month until 70th month

OPTION B: receive 60% of your winning today as a lump sum payment (40% is used toward taxes)

OPTION C: receive 40,000 per month for the next 50 months

OPTION D: receive 90% of your winning 2 years from now as a lump sum payment

If you can earn 12% annual rate with monthly compounding on your investments, which option would you choose?