The $25m/year is pretty bad value. Even at earnings of only 3% above inflation, that's still $1.6B after 40 years. When you factor in the risk that a 30 year o

The $25m/year is pretty bad value. Even at earnings of only 3% above inflation, that's still $1.6B after 40 years. When you factor in the risk that a 30 year old might be dead after 40 years (about 20% if I'm reading this AU life table correctly), I would prefer the $500m upfront.