NO.PZ201704060100000302
问题如下：
Based on the given assumptions and the data in Exhibit 1, the additional amount of life insurance coverage needed is closest to:
选项：
A.A$0.
B.A$331,267.
C.A$2,078,101.
解释：
B is correct.
The additional amount of life insurance coverage needed is calculated as the di₤erence between the family’s total financial needs and total capital available. Total financial needs are calculated as follows.
Capital needs are determined as the present value of an annuity due: growth rate = 3.5%, discount rate = 6.0%. Growth of payments is incorporated by adjusting the discount rate to account for the growth rate of earnings. As long as the discount rate is larger than the growth rate, the adjusted rate i can be calculated as follows: [(1 + Discount rate)/(1 + Growth rate)] – 1, or i = (1.06/1.035) – 1 = 2.42%.
这道题我一开始没有输入FV=0，答案算出来就不对，请问类似计算FV或者PV=0的时候，什么时候需要输，什么时候不需要输？印象中有一些题目如果PV或者FV=0的话，这个参数是不需要输的。谢谢。
