import com.imsl.finance.*;
import java.text.NumberFormat;

public class pvEx1 {
    public static void main(String args[]) {
        double rate = 0.06;
        double pmt = 500000.;
        double fv = 0.;
        int nper = 20;
        int when = Finance.AT_END_OF_PERIOD;
        
        double pv = Finance.pv(rate, nper, pmt, fv, when);
        
        System.out.println("The present value of the $10 million prize is " +
        NumberFormat.getCurrencyInstance().format(pv));
    }
}