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I absolutely take the 75k, at this moment in my life. But that's only because I have very little money (being a college student). Ask me when I'm 30 and theoretically have some money in the bank and what not and I'm taking the flop.

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I'm 37, have some money in the bank, and I'd take the $75K without giving it a second thought. But my V$PIP is <17%, I always wear my seat belt, and I won't run with scissors.

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Yeah I take the safe way on that too.