[Rick Lee]

I wouldn't take the annual payments, especially in this latest mega jackpot. The money will be worth so much less over the next 20 yrs. They don't index it for inflation or taxes. And, if you took the lump sum before we go over the fiscal cliff, you'd get many, many millions more than in 2013 and beyond. If you could invest that lump sum at 5% somewhere, you'd live the life of Riley without ever touching the principal.