$11.$ Which of the following is NOT a true statement?A$)$ Present values and discount rates move in the opposite directions from one another.B$)$ All else the same, the longer the term of a loan, the lower will be the total interest you pay on it$.$C$)$ On monthly compounded loans, the effective annual rate $($EAR$)$ will exceed the quoted annual percentage rate $($APR$).$D$)$ Future values increase with increases in interest rates.