"Once I realized one was the winner, I called my two friends right away," she said in comments provided by the lottery. A second winner was sleeping and had forgotten about the drawing.

"It was around 11:30 p.m., and my phone just kept ringing and ringing. I finally decided to answer it, thinking something was wrong," that winner told lottery officials. On the phone were the other two winners, who said, "Get dressed. We're coming over right now."

The winners took 10 days to come forward, Martino said, because they were seeking legal and financial advice.

The winners have consulted with money managers and investment bankers, he said. One of the winners told lottery officials: "We're going to be careful with how the money is spent. I watched coverage of the jackpot win on television all week, just so I could listen to the financial advice the professionals were offering."

When the group arrived at lottery headquarters Monday, Martino said, one of the winners took from her purse a small white envelope that contained the winning Mega Millions ticket. The winners had made three copies of the ticket and each signed the copies, he said.

The actual ticket was signed by all three winners that day at the lottery's conference room table, Martino said. It was then handed over to lottery security and its authenticity was verified, he said.

Herman, the estate planning and wills expert, said the winners will face decisions about whether they want to continue to work, change jobs or take on volunteer roles. Another big choice is whether to donate to charities.

"Even though they may be anonymous to the public, there are certainly going to be people who know them; word of mouth may get out," Herman said. "They need to be very careful of being besieged by people with financial schemes."

Bartlett, the 2007 winner, gave millions away, bought his friends first-class plane tickets and helped pay for their houses. He also spent money expanding a New Age bookshop near White Marsh and starting a record label.

Bartlett has encouraged the latest winners to keep their identities private: "Otherwise, everybody and their brother will find you and try to get money from you," he told The Baltimore Sun recently.

The winners announced Tuesday told Maryland lottery officials that they plan to continue working. The two classroom teachers couldn't imagine leaving their jobs, Martino, the lottery director, said.

"They were so clearly committed to their kids," he said. "When we asked them, 'Are you going to continue to teach?' They both said, 'Yes, I can't give up my kids.'"

To make ends meet, the educators each worked more than one job, including one of the winners who had two full-time jobs, Martino said.

Martino said one of the women mentioned that she had visited church recently and prayed silently for money to cover her bills.

Even their plans to spend the money are unostentatious.

One plans to go backpacking through Europe with her brother, Martino said. Another wants to take a tour of Italy's wine country. The third plans to help pay for his daughters' college education, pay off his house and buy his sister a house.

"They were modest. They were down-to-earth," Martino said, adding, "These are the kind of people you'd like to see win."

Before the educators came forward, speculation over potential winners ran wild in Maryland. Most notable was the spectacle caused by purported winner Mirlande Wilson of Westport, a situation the real winners found amusing, according to Martino.

Wilson, who worked at a McDonald's near the 7-Eleven where the winning ticket was purchased, told the New York Post that she hid the winning ticket at the fast-food restaurant on Liberty Road in Baltimore County. She made international headlines for her story, which lottery officials did not rule out until Tuesday.

"We weren't discounting that it could have been anyone," Martino said. "We did think it was curious to initiate a claim for one of the largest jackpots in the history of the world through a New York newspaper, but everyone has their own way of doing things."

Wilson, who changed her story several times, could not be reached to comment. Last week, she called a news conference with her lawyer to tell the media to leave her alone, and she later told media outlets that she had lost the ticket.

Wilson was sued Monday in Baltimore City Circuit Court by Mandisa Mazibuko of Germantown; the suit also names the Maryland Lottery as a defendant. An attorney for the plaintiff said late Tuesday that the request for a temporary restraining order to block Wilson from cashing in a winning ticket will be withdrawn.

The suit claimed that the prize was won by a group of 16 people, mostly McDonald's workers, and that Wilson had tried to keep the winning all to herself.

Two winning tickets from the historic Mega Millions jackpot are still unclaimed. Those tickets, worth $250,000 each, were purchased at a 7-Eleven on Beaver Dam Road in Timonium and Redner's Warehouse Market on in Bel Air.

Baltimore Sun reporter Liz Bowie contributed to this article.