Finally, when applying discount factors, where do you intend to get your discount numbers? For a company with existing debt and equity capital you can calculate WACC and use that. For a startup company you need to figure out a risk_adjusted cost of capital that makes sense. Usually this is not just a risk_free rate which only the largest companies in the world have access to. It's probably something higher.
Key card envelopes are a popular envelope for storing any credit card sized item, from a hotel key entry card, to a gift card, or even an employee ID. These small envelopes are slightly larger than a credit card, and have what is called a double thumb_cut, or a slot at one end where you can pull the card out. While most of these envelopes are used for hotel keys (hence the name), there are many other applications for key card envelopes.