\begin{tabular}{|c|c|l|} \hline 1 & \multicolumn{2}{|c||}{ Which of the following actions will INCREASE the present value of an investment? } \\ \cline { 2 - 3 } & A & Decrease the future value. \\ \hline B & Increase the amount of time. \\ \hline C & Decrease the interest rate. \\ \hline D & All of the above will increase the present value. \\ \hline \end{tabular}