Please answer the following questions in your own words. This assignment is designed to ensure that you have gained a basic understanding of the reading, and will be graded mostly for completeness, with a small amount of variation for the quality of the response 1. What does "time value of money" mean? 2. What does "discount rate" mean? How do we use a discount rate? 3. What does the "net present value of a project mean? Can it be negative? 4. Why don't we usually use the payback method in our capital budgeting decisions