The new $20 scratcher has a top prize of $5 mill paid as a 25-year annuity. In fact, all CA scratchers with top prizes over a mill are annuities, such deceptive advertising they use to lure players. If you want a nice payday immediately, avoid all of the $20 and $30 tickets like wuhan plague. Also mind the stated overall odds -- they include the free ticket prizes. You need to click on the link to the prize sheet and do the math by hand to work out the cash odds.