Consider a standard training problem in which you pay an upfront fixed cost of $45,000 to train your worker, and for simplicity suppose that their pay remains the same before and after the training (so that the present discounted value of the costs of training remains constant at $45,000, regardless of the value of the interest rate, r). The training generates a stream of future benefits that has a positive PDV that is greater than $45,000 when r = 0 but which decreases as r grows. If the internal rate of return, , is approximately 10.42%, which statement is correct?