The Winner of the Mega Millions Lottery Game Can Choose

The winner of the Mega Millions lottery game can choose to accept a one-time payout of $190.1 million or receive $11 million per year for 30 years. Assuming no tax consequences and an interest rate of 4 percent, using the tables shown below, what is the best decision for the winner? $\begin{array}{|r|l|}\hline\begin{array}{c} \text { Annuity Table } \\ \text { (value now of \$1 Per year To be } \\ \text { received for x-years) } \\\begin{array}{c|c|c|c}\hline {\text { Year }} & \mathbf{3 \%} & \mathbf{4 \%} & \mathbf{6 \%} \\\hline 10 & 8.53 & 8.11 & 7.36 \\\hline 15 & 11.94 & 11.12 & 9.71 \\\hline 20 & 14.88 & 13.59 & 11.47 \\\hline 30 & 19.60 & 17.29 & 13.76 \\\hline\end{array}\end{array}& \begin{array}{c} \text { Present Value Table } \\ \text { (Value now to \$ 1 to be received} \\ \text { x-years un the future) } \\\begin{array}{c|c|c|c}\hline \text { Year } & \mathbf{3} \% & \mathbf{4 \%} & \mathbf{6 \%} \\\hline 10 & 0.74 & 0.68 & 0.53 \\\hline 15 & 0.64 & 0.56 & 0.42 \\\hline 20 & 0.55 & 0.46 & 0.31 \\\hline 30 & 0.41 & 0.31 & 0.17 \\\hline\end{array}\end{array}\\\hline\end{array}$

A) Take the payout over 30 years because that's more money.
B) Take the $190.1 today because that's more money.
C) It does not matter because the two payouts cannot be compared.
D) It does not matter because the two sums have roughly equal time values.