Choose the most accurate answer: Select one: O a. Net present value (NPV) is the present value of all future cash flows to break even b. Net present value (NPV) is a budgeting technique that does not take into account the time value of money O c. Net present value (NPV) is a budgeting technique that is used to compute depreciation O d. Net present value (NPV) is a budgeting technique that takes into account the time value of money