Instructions Imagine you are explaining the Time Value of Money (TVM) to a friend using the example of tuition payments and future salary as a cash flow. In this scenario, tuition payments represent an investment in education, and the future salary signifies the returns on that investment. Explain how tuition payments can be seen as an investment. Discuss why paying tuition upfront or taking out loans for education involves TVM considerations. Comment on how the concept of present value might apply to tuition expenses.