The MIB made a big difference in the recruitment process, allowing me to work in the sector I wanted: fashion. The master's degree provided me with the tools necessary for entrepreneurship within the company and to develop the digital sphere in all areas. This brings me neatly on to your point re: appropriate discount rate. I think somewhere in between the two extremes you suggest makes sense. The ‘right’ discount rate is pretty subjective and a triangulation of the buyer’s personal risk/reward appetite, historical portfolio return and ability to secure competing return elsewhere. If, for example, you’re a very proficient online business investor with a multi-year track record of 30% returns and a number of comparable investment candidates then a higher discount rate makes sense for you. Your minimum acceptable rate of return (MARR) will justifiably be higher and thus you should appraise investment opportunities through this discount lens. 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