You rent an apartment for $600 per month, payable at the beginning of the month. An initial deposit of $480 is required. Utilities are an additional $140 per month payable at the end of the month. The deposit is refundable at the time you move out, assuming a clean apartment in good condition. Draw a monthly cash flow diagram, assuming you keep the apartment for 12 full months. The cash flow diagram can be first represented by end of month cash flows, Aj, for months, j = 0,1,2,...12.