You just inherited $1,000,000. Instead of taking a lump sum, a financial planner has suggested two additional options. First, you invest in an annuity that will pay you $125,000 per year for 10 years. The discount rate is 8% for both options. The second option is an annuity that pays you $10,000 per month for 10 years. Of the three distribution options, which is the best?