after hearing a knock at your front door, you are surprised to see the prize patrol from a large, well-known magazine subscription company. it has arrived with the good news that you are the big winner, having won $32 million. you have three options: receive $1.6 million per year for the next 20 years. have $11 million today. have $2.75 million today and receive $1,300,000 for each of the next 20 years.