You've won the lottery and have two options: receive a lump sum of $1,000,000 today, or $1,100,000 three years from now. Assuming your opportunity cost of capital is 5% per year, which option would you choose? Please explain your reasoning and perform the necessary calculations.

你赢得了彩票，可以选择今天一次性领取100万元，或者在三年后领取110万元。假设市场利率（或你的投资机会成本）是每年5%，你会选择哪种方案？请说明你的理由并进行必要的计算。