An annuity is a variable stream of cash flows for a fixed period of time. True False Question 19 (1 point) To increase the PV of a lump-sum future amount to be received in 10 years you will need to Decrease the future value Use compound interest in place of simple interest Decrease the interest rate Increase the time period Question 20 (1 point) You just borrowed $5,000 from your bank and agreed to repay the interest on an annual basis and the principal at the end of three years. What type of loan did you obtain? Perpetual Pure discount Interest-only