Describe a decision you might face in the future that will require you to consider the future value of money received (or invested). For example, how might the time value of money enter into a decision to push back your graduation date by one year? In very basic terms describe how profits and cash flow are different. What do investment banks do in the financial markets? Describe the difference between the primary market and the secondary market. What is a mutual fund and how does it differ from an exchange-traded fund (ETF)? What is the difference between a debt security and an equity security