YOU might think that winning the lottery would solve your problems, but it would only be the start of them if you were looking at buying a new car with some of your winnings.
Do you go all out and get the most expensive or go for the most frugal? Do you want to merely be driven, or would you still enjoy driving your own car onto a quay and alongside your yacht. Decisions, decisions.
Before you decide, give the BMW ActiveHybrid 7 L SE an opportunity to show you what it can do.
This is very much a modern limousine offering sublime sophistication and dynamic delight to a driver in a package that is both efficient and invigorating.
There're ten models in the BMW 7-Series Saloon, based on two wheelbases and incorporating six engines, petrol and diesel, and running from just over £58,100 to over £101,800.
The ActiveHybrid 7 sits in the middle of the range and is available in the normal or long wheelbase adding almost six inches extra legroom in the back and a touch more headroom as well.
In keeping with BMW expectations, there is a truly extensive and technically rich options list to create a highly individual model for any buyer, and this car had over £21,000 worth, about a third of the original on road price for the ActiveHybrid 7 L SE of £69,140, so the complete package added up to £90,610.
Since the end of last year, it has become the first of the 7-Series Saloon of top flight models to be offered in the UK with a 320bhp 3.0 six-cylinder petrol engine mated with an 55bhp electric motor and high performance battery, which actually permits it to run for a few miles on electricity alone.
Combined the two power sources give immediate and strong acceleration for rapid overtaking. The unbelievably smooth gear changes whether going up or down are only matched by their efficiency and I frequently saw the fuel consumption heading towards 40mpg without having to work hard.
It rockets from rest, snaps through the speed increments when overtaking and is utterly composed when cruising along a major road or motorway. The UK legal limit is a dawdle.
The truly effortless power applies to the steering and brakes as well, with pin-sharp precision behind the wheel and phenomenal stopping power with just a feather of feel applied. When it's freewheeling or braking the clever computer system is generating electricity and sending it back into the traction battery.
The driver can select different efficiency modes on the powertrain to sharpen or smooth down the responses but whichever is chosen the air suspension delivers an incredibly smooth ride without affecting the sporting feel to the handling and its grip on the road.
The extra leg and headroom in the L SE means you have no space issues and you still get a 360-litre boot behind.
There is a trace of road noise coming up but it's not loud or intrusive and wind or mechanical noises are barely audible either so it is an eerily quiet car nearly all the time.
BMW has done a very good job of carefully integrating all the technology into a package which is fairly easy to master and use even with just a few hours familiarity and it not only looks good but it all works very well from a driver's viewpoint and that means its not really distracting to operate the secondary features.
I loved the easy entry, the big, well shaped, padded and supporting seats and the heating/ ventilation system throughout.
The big BMW measures over 5.2 metres and is nearly 2.0 metres wide but it handles like a much smaller car and you quickly find confidence in its character and ability.
In the BMW ActiveHybrid 7 L SE, you get what you expect and a few delightful surprises, and you cannot say that when you buy your lottery ticket.