You sound like you're defining "development" when you talk about the difference between the future and present values of something. But I guess if the people ac

You sound like you're defining "development" when you talk about the difference between the future and present values of something. But I guess if the people actually doing the development pay interest to the people they got money from to do the development then it is... interest to some degree? Of course that results in less net development (due to the interest paid) but am I at least describing it in a way you recognize as accurate?