Most government lotteries pay out jackpots in the form of 20, or 30 year annuities but they also give the winners option to a much smaller payout to collect their winnings. Explain how you would use the time value of money analysis to choose between the annuity and the lump sum if you won the lottery. Please make it 3-4 paragraphs in length. Make sure to demonstrate critical thinking and analysis using research and personal work experiences.