PV()
 Computes the cash present value after interest charges
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 Syntax

     PV(<nPayments>,<nInterestRate>,<nNumberPayments>)
        --> nCapital

 Arguments

     <nPayment>  Designates the amount of the scheduled periodic payment.

     <nInterestRate>  Designates the periodic interest rate.  1
     corresponds to 100%.

     <nNumberPayments>  Designates the number of anticipated payment
     periods.

 Returns

     PV() returns the cash value of an interest yield.

 Description

     PRESENT VALUE
     The function computes the cash value of regular equal payments
     <nNumberPayments> at an <nInterestRate> interest rate over
     <nNumberPayments> payment periods.

 Examples

     .  How high can a loan be if you pay $175 for 24 months, at an
        annual fixed interest rate of 9.5%?  Since payments are monthly, the
        annual percentage rate is divided by 12:

        nRate  :=  0.095/12
        ? PV(175, nRate, 24)     // $3811.43

     .  Annual payments over 2 years at 9.5% per annum:

        ? PV(175, 0.095, 2)      // $305.77