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A / an will lower the present value of a set amount to be received sometime in the future. I. decrease in the future value

A/an
will lower the present value of a set amount to be received sometime in the future.
I. decrease in the future value
II. increase in the future value
III. decrease in the interest rate
IV. increase in the interest rate
V . decrease in the time until the amount is received
VI. increase in the time until the amount is received
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