Lottery Jackpot = $10 million You have the choice to take lottery winnings in one lump sum today or payments over 30 years. If you take the lump sum payment today, you receive only the present value of the winnings. So, if you win $10 million in the lottery, you would receive only a $2.3 million payment today (assuming 5% return over 30 years). Is this deceptive advertising? Be sure to explain your answer.