One group of your customers considers the future value of money as completely equal to present value of money. The other group only values the benefits now. How will the marketing promotion program differ for the two different groups? The marketing promotion program is based on a 24-month installment plan for the company's product. In this case, the price of the product is $320. The discount rate (interest rate to pay extra) is 8% per annum. If you buy today in one payment, the price will be $ 280. Give an example of calculation for each group.