3. Create your own final scenario for this case which applies the use and calculation of (1) present value (PV) and (2) future value (FV) concepts. A PV example I can think of is, you have won the lottery. You may chose to receive half now or the full amount received annually over 20 years by applying a 6% interest (discount) rate. Which do you chose? A FV example could be, you are 20 years old and want to retire at 55. How much must you put in the bank now to have $2,000,000 at 55 if you can earn 10% on your investments? Or, how much would you have to save annually to retire at 55 given a 10% return? Show your calculations