At some point or another, little kids say that they want to become a millionaire.  Here is the opportunity to also teach that patience pays off:

=PMT(0.0697/12;480;0;-1000000)

First person to tell me the juicy details of this offer gets a lunch on my dime and time.  Terms and conditions:

• You must be considered a friend.
• You must be accessible.
• You must not be enrolled in EE 366 during this semester.
• Value of lunch shall be no more than $10 USD.