Why do countries institute NIRP or ZIRP? Who benefits and who suffers from NIRP or ZIRP? From what you learned about NPV, how would such policies affect NPV of projects and, eventually, the economic activities in a country? How would FV and PV calculations be affected if there were zero or negative interest rates? What would you do with your savings if there were NIRP or ZIRP? How would a person's retirement planning be affected