$1!KH!Yl!;E!BT!3, (B: s $1!Yo!<^!M"!C-!^U!2]!1|!\!!P,!?z330 (B/ s - $1!?p!N|!04s ($1!T+!4I!<D (B: s $1!]>!]p!BX!4H(B, s, 1996)
$1!Tk!BX!CU!5E(B:Time value of moneys