Suppose that an account has RM 6.0 million now. The money is invested and obtains a return of 2%. Your business projections are that in year one you take out RM 2.0 million, in year two you take out RM 0.7 million, in year three you add RM 1.0 million to the account, and in year four you add RM 4.0 million to the account. Draw a cash flow diagram and calculate the present value of the cash flow