[Checkbox: 1,2,3, or 4 options may be needed to form the correct answer]. You operate in multiple countries with their own currencies. You can 1 point minimise your currency risk by: Switch your operations to only use one currency Buying futures (forward) contracts locking in the exchange rate Do a carry trade (borrow in one currency and invest in another) Exchanging funds when rates move in your favour Which of these takes into account the time value of money? * 1 point Internal Rate of Return Average rate of return Payback period Short term liabilities