21. Given an interest rate of zero percent, the future value of a lump s um invested today will always: a. remain constant, regardless of the investment time period. b. decrease if the investment time period is shortened c. decrease if the investment time period is lengthened. d. be equal to $0 e. be greater than the initial investment amount. 22. Your parents just gave you a gift of $25,000. You are investing this money for 5 years at 2.5 percent simple interest. How much money will you have at the end of the 5 years? a. $27,500 b. $27.595 c. $28,125 d. $28,285 e. $28,750