how can I make this equations look better: Time Value of Money (TVM) Calculations For the intermediate-term goal of saving for an emergency fund, we use the TVM formula: FV=PMT((1+r)n1r)FV = PMT \times \left( \frac{(1 + r)^n - 1}{r} ight)FV=PMT(r(1+r)n1) Where: FVFVFV = Future value PMTPMTPMT = Monthly savings amount ($500) rrr = Monthly interest rate nnn = Number of months Scenario 1: Interest rate of 3% per year for 3 years r=0.0312=0.0025r = \frac{0.03}{12} = 0.0025r=120.03=0.0025 n=36n = 36n=36 FV=500((1+0.0025)3610.0025)=50037.24=18,620FV = 500 \times \left( \frac{(1 + 0.0025)^{36} - 1}{0.0025} ight) = 500 \times 37.24 = 18,620FV=500(0.0025(1+0.0025)361)=50037.24=18,620 Scenario 2: Interest rate of 5% per year for 3 years r=0.0512=0.004167r = \frac{0.05}{12} = 0.004167r=120.05=0.004167 n=36n = 36n=36 FV=500((1+0.004167)3610.004167)=50038.79=19,395FV = 500 \times \left( \frac{(1 + 0.004167)^{36} - 1}{0.004167} ight) = 500 \times 38.79 = 19,395FV=500(0.004167(1+0.004167)361)=50038.79=19,395