"
Then: "Lottery winners often face a choice: take the full prize spread out over years, or grab a smaller amount right away. This player went with the lump sum, which cuts the headline number but puts cash in hand immediately. The 26.75% tax bite — a combination of federal and state withholding — reduced the first payout to $366,250. The second ticket, also a top prize, added $18,312.50 after the same tax rate, pushing the final take to $384,562.50."
Translate: "Lottoarvonnan voittajat joutuvat usein valinnan eteen: ottaa koko palkinto jaettuna vuosille tai napata pienempi summa heti. Tämä pelaaja valitsi kertakorvauksen, joka leikkaa otsikkonumeroa mutta tuo käteistä heti. 26,75 prosentin verorasitus – yhdistelmä liittovaltion ja osavaltion pidätyksiä – vähensi ensimmäisen arvan maksun 366 250 dollariin. Toinen arpa, myös pääpalkinto, lisäsi 18 312,50 dollaria saman verokannan jälkeen, nostattaen lopullisen summan 384 562,50 dollariin."
Note: "tax bite" -> "verorasitus" is fine. "headline number" -> "otsikkonumero" maybe "ilmoitettu summa" but I'll keep "otsikkonumero" as it's understandable. Actually "headline number" refers to the advertised prize. So "julkistettu summa" might be better. But I'll use "otsikkonumero" as a direct translation, but it might be odd. Let's use "mainostettu summa" or "ilmoitettu summa". I'll say "leikkaa ilmoitettua summaa" but the original says "cuts the headline number" meaning reduces the big number. So "vähentää ilmoitettua summaa" is fine. I'll rephrase: "joka vähentää ilmoitettua summaa mutta tuo käteistä heti." Actually "cuts" means reduces, so "vähentää" is fine.
Third paragraph: "
What the taxes cover
" -> "
Mitä verot kattavat
"
Then: "The deduction isn't a single flat rate. It's the sum of federal income tax and Ohio state tax, both applied to lottery winnings. For a $500,000 lump sum, that works out to $133,750 in combined taxes, leaving $366,250. The second ticket, worth $25,000 before taxes, lost $6,687.50 to the same rate, leaving $18,312.50. The winner's total tax bill across both tickets came to $140,437.50."
Translate: "Vähennys ei ole yksittäinen kiinteä verokanta. Se on liittovaltion tulover
