32) Which of the following statements is true about the time value of money? (assume future value stays constant) A) The present value will be unaffected by how far in the future funds would be received. B) The present value will be smaller if funds earn 5% instead of 10%. C) The present value will be smaller if funds earn 12% instead of 6%. D) The present value will be unaffected by the rate of return at which funds grow. E) The present value increases as the number of years it is invested for increases