How Do you Turn $241 Million Into About $4 million

Take 50% as the present value ($120MM) then deduct 40% for taxes (left with $72MM) and then split it 20 ways - (about $3.6MM each).

Now, having $3.6 million in the bak is awfully nice.  And since a shipping worker probably makes around $35,000 a year, that is 100 years of wages, but the guys who are 40 years old in the group are not exactly on easy street for the rest of their lives (interest rates being about 1% a year).