The million-dollar contenders will enter a room and see before them a floor covered with 150 moneybags. 149 of them will hold a certificate for a cruise for two and $1,000. The other bag will contain a million-dollar annuity.
The contenders will select one bag each, and if the bag contains a cruise certificate, they will be leaving for the Caribbean the next day. Winner of the annuity, if there is one, may choose the payout over 40 years at $25,000 a year, or opt for a single lump sum payment of $385,000.