The article discusses how courts calculate a one-time payment to compensate people for future losses due to injuries—known as a lump sum award. This method ensures both parties have a clear and final settlement. However, the person receiving the money needs to manage it carefully to cover all future expenses. There's a risk of the funds running out if investments don't perform well or if the person lives longer than expected. This approach aims to balance the needs of the injured person and the legal system but requires smart financial decisions from the recipient to ensure long-term financial security.