I need help calculating the Consumer Lifetime Value (CVL) of a company. It's a direct-to-consumer company that sells monthly contact lenses subscription to customers. Users pay a monthly subscription of $33 dollars, however, they only pay $13 dollars for the first month. After the first month, 90% of customers will choose to continue purchasing the monthly subscription. The company has a monthly churn rate of 4%. Additionally, consumers on average will only pay for 8 months instead of 12 months per year.

I also need help calculating the CVL to CAC (Customer Acquisition Cost) ratio. The CAC currently is $100