1. How might you relate the time value of money concept to something in your life? For example, how does it apply to repaying student loans, or to other financial obligations or assets you currently have?

2. In todays environment about 50% of all capital dollars are spent on governmental compliance. With capital rationing, these projects must be funded first. How can this be rationalized as increasing shareholder wealth? If it cant, explain why not.

please answer these 2 questions.