1. Gwen won a settlement from her car accident in 2000 of $30,000. She was a savvy investor and invested all of her money in a well-diversified mutual fund. Today, 2020, her investment has grown to $45,000. What return has Gwens investments earned?
   1. Which of the TVM components does Gwens settlement amount represent?
   2. If you were to solve this problem using your financial calculator, what would you enter as the FV?
   3. To solve this problem, you will need to calculate which of the TVM components?

d. Is it possible for the solution to this problem to be a negative (less than zero) number? Why or why not