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Identify whether the problem is describing a(n) _____ (A. lump-sum, B. Compound Interest, C. present, D. Future, E. Question) or a(n) _____ (A. annuity, B. lump-sum, C. present, D. simple interest, E. question). Identify what the _____ (A. lump-sum, B. future, C. present, D. annuity, E. question) itself is asking for _____ (A. lump-sum, B. annuity, C. present, D. ordinary, E. question) value or _____ (A. future, B. simple, C. lump-sum, D. annuity, E. question) value?

PV or FV = ____ (A. interest, B. time, C. principal) * ____ (A. time, B. interest, C. factor, D. principal)