direct and indirect US 3 4 5 2 Month 1 Cost 120,000 160,000 110,000 70,000 40.000 Assume 20 % Mark-Up A certain percentage of retainage will be held by the owner from each monthly payment. Such retainage that has a lotal value of 36,000 will be paid with the last payment. Periodic payments are billed at the end of the month and are received one month later, Required: a) Sketch the cash flow profile b) Sketch the net cash flow profile