XYZ company wants to calculate the CLTV of a customer who is expected to generate gross sales of $15,000 per year for an expected 19 years. If the net profit margin on these sales is expected to be 32%. Determine the CLTV for the client in the four ways using the following additional information: (4 marks) a. Easy Method b. Simple Formula (assume a 10% churn) c. Traditional formula (using 10% churn and an interest rate of 12%) d. Alar, in finance, calculated the client would bring in net returns of $4,800 at the end of every year for 19 years and agreed to use a cost of money of 12% compounded annually. Find the CLTV using this method and the $4,800 as a net return.