Use at least three of the financial management principles taught in this course (1.Money has a time value 2. There is a risk return trade off 3. Cash flows are the source of value 4. Market prices reflect information) to identify, explain, and evaluate business practices and propose efficiency improvements in these practices regarding one or more business problems of your firm, a firm for which you work, and/or some other company or government agency with which you are familiar. I just need a research topic that incorporates the above. Not looking for a paper.