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I believe that Kimi's contract provides a base salary with bonuses for performance, so Lotus are probably paying him reasonably well. However, if he wants more then a move- or even feigning a move -will benefit him hugely.
McClaren would be a profitable, but risky move. Red Bull would be a more reliable move as long as they get the tires they want... and well, Ferrari is unlikely to happen. I think he should use this opportunity to get more out of his Lotus contract and return to them next year.