Rohit Banerjee had been planning a vacation to Europe with his family for last two years. He was happy that he had finally been able to save sufficient money to finance the trip to Europe. Two months before the scheduled trip, there was a minor fire in his kitchen because of which the entire kitchen was destroyed. Since Banerjee did not have enough disposable money to repair the kitchen, he had to dip into the money that he had saved for his European vacation. As a result, he was unable to take the vacation he had long been planning for.