12. Match the terms listed with the definitions. Examines financial performance over several periods of time to determine patterns

a. assets

b. balance sheet

c. budget discrepancies

d. business financial goals

e. capital budget

f. cash flow statement g. collateral h. creditor i. depreciation j. financial budget k. financial statements l. future value m. income statement n. interest o. interest rate p. liabilities q. operating budget r. owner’s equity s. present value t. principal u. time value of money v. trend analysis