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[ing is the process of finding the current value of an amount of cash at some future date, and along with compounding cash form the basis of time value of money calculations. The discounted value of a cash flow is determined by reducing its value by the appropriate discount rate for each unit of time between the time when the cashflow is to be valued to the time of the cash flow. Most often the discount rate is expressed as an annual rate. See more at Wikipedia.org...]

>For other meanings of the term banner, see banner (disambiguation). A banner is a flag or other piece of cloth bearing a symbol, logo, slogan or other message. Banner-making is an ancient craft. The word derives from L. Lat. bandum, a cloth out of which a flag is made (L. banderia, It. bandiera). L. Germ. developed the word to mean an official edict or proclamation and since such written orders often prohibited some form of human activity, bandum assumed the meaning of a ban, control, interdict or excommunication. Banns has the same origin meaning an official proclamation, and abandon means to change loyalty or disobey orders, semantically "to leave the cloth or flag". See more at Wikipedia.org...