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What would be the underestimation of your earnings as an investor if you use the discount rate instead of the investment rate to measure the

What would be the underestimation of your earnings as an investor if you use the discount rate instead of the investment rate to measure the return on your investment if you buy a $5,000 T-bill that matures in 91 days for $4,999.55?

the purchase price is correct that what it says in the textbook question.

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