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Problem #1: For the following cash flows, (receipt of 20,000 at t=0; payment of 120,000 at t=1; receipt of 100,000 at t=3; and receipt of 60,000 at t=5), various interest rates are applied: 4% for year 1; 6% for years 2 and 3, and 5% for years 4 and 5. Find the equivalent net value at t=5, i.e., F5=? F=? 4% 6% 6% 5% 5% AAAAA 20,000 60,000 -120,000 100,000