Consider a game where you flip a fair coin: if it lands heads, you win $20, and if it lands tails, you lose $5. Would you like to play this game? In a second game, the payouts are $20 million for heads and lose $5 for tails. Would you prefer the second game? Lastly, if the payouts return to $20 for heads and -$5 for tails, but you can choose to play either once or 100 times, which option do you prefer and why? Please explain your reasoning.