Provide a stepwise synthesis to carry out the following conversion. 
Definitions:
Interest
The payment made for the use of (borrowed) money.
Total Fertility Rate
The average number of children a woman is expected to have during her lifetime in a specific population.
Present Value
The present value of a future amount of money or series of cash flows, using a given rate of return.
Market Rate
The prevailing price or cost of products, services, or labor in a competitive marketplace as determined by supply and demand.
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