Private Sub PresentValueVerify()
    'Verify that the PresentValue function works correctly.

    Debug.Assert Approx(PresentValue(0.1 / 12, 4 * 12, 400, 0, 0), -15771.264036612)
    Debug.Assert Approx(PresentValue(0.1 / 12, 4 * 12, 400, 0, 1), -15902.6912369171)
    Debug.Assert Approx(PresentValue(0.1 / 12, 4 * 12, -400, 0, 0), 15771.264036612)
    Debug.Assert Approx(PresentValue(0.1 / 12, 4 * 12, -400, 0, 1), 15902.6912369171)
    
    Debug.Assert Approx(PresentValue(0.1 / 12, 4 * 12, 400, 5000, 0), -19128.4240327982)
    Debug.Assert Approx(PresentValue(0.1 / 12, 4 * 12, 400, 5000, 1), -19259.8512331033)
    Debug.Assert Approx(PresentValue(0.1 / 12, 4 * 12, 400, -5000, 0), -12414.1040404257)
    Debug.Assert Approx(PresentValue(0.1 / 12, 4 * 12, 400, -5000, 1), -12545.5312407308)

    Debug.Assert Approx(FutureValue(0, 4 * 12, 400, 0, 0), -19200)
    Debug.Assert Approx(FutureValue(0, 4 * 12, 400, 0, 1), -19200)
    Debug.Assert Approx(FutureValue(0, 4 * 12, 400, 12300, 0), -31500)
    Debug.Assert Approx(FutureValue(0, 4 * 12, 400, -12300, 1), -6900)

End Sub