22. Which one of the following statements is true for two annuities with the same payment amount, frequency, and time if Annuity A is ordinary and Annuity B is an annuity due? Assume both annuities have the same interest A. Annuity B has a higher present value but lower future value than Annuity A B. Annuity B has a lower present value but a higher future value than Annuity A C. Annuity B has both a lower present value and a lower future value than Annuity A D. Annuity B has both a higher present value and a higher future value than Annuity A E. The relative values of the two annuities depends on the actual interest rate for the two 23. The population of New Braunfels was 36,494 in the year 2000 and 84,612 in 2018. If the population grows at the same rate as the first 18 years of this century, what will the population be three years later, in 2021? A. 106,876 B. 101.998 C. 97,342 D. 98,138 24. Which of the following will decrease the future value of a lump sum investment? I Decreasing the interest rate II. Decreasing the amount of the lump sum investment III. Increasing the time period IV. Increasing the interest rate A. I and II only B. II and III only C. II and IV only D. III and IV only E. II, III, and IV only 25. Which of the following best describes the way you take this class? A. I regularly attend class and usually watch the videos B. I regularly attend class and sometimes watch the videos C. I occasionally attend class and watch the videos D. I just watch the videos E. I seldom attend class and don't watch the videos-just book and problems