Jeanne Li was injured in a car accident caused by a negligent driver. A court settlement provides Jeanne with \($10,000.00\) annual payments for life to pay for her chronic medical expenses. An independent company has offered Jeanne a one-time payment of \($80,000.00\) in exchange for the annual payments. Jeanne has sought your advice on whether to accept this offer. What issues should Jeanne consider in making her decision?