[morphius]

It shows that she will probably not invest the money, she is young and a better plan for a inexperienced person is to take the long term, limiting her spending............First By investing the money will be worth more in the future so it is unwise to spend it now, and she will be losing about 60%by taking it in a lump some, and you seem to be missing the point because the bank will only usually insure 100,000 dollars in a cd, imaging putting 5 million, or even higher 50 million this is not only hard, but unmanageable, and you can put the money in long term if you absolutley have to. Just waiting to tell you.............I respect your answer though....