A pension scheme <a href=" http://www.academicpresseurope.nl/?homeschooling-essay#bike ">reflective essay rubric</a> With analysts estimating that a discount above 35 percentcould make the project unprofitable, Planalto's aggressive bidmay mean that returns will take longer to materialize. UBSSecurities estimated that Planalto's discount implies aninternal rate of return of about 3.3 percent for the project,below the 6 percent vastly expected by analysts.