Predict the major product for the following reaction. 
Definitions:
Interest Rate
The proportion of a loan charged as interest to the borrower, typically expressed as an annual percentage.
Present Value
The present value of a future amount of money or a series of cash flows, discounted at a given rate of return.
Payment Streams
A series of financial transactions occurring over time, such as regular payments of interest or principal on a loan.
Capital Projects
Large-scale, long-term investments aimed at improving an organization's capacity or capabilities, often involving infrastructure, technology, or facilities.
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