Please answer both questions. I will upvote

Question 4 The statement "the future value is equal to the present value" is correct only if the interest rate is zero correct only if the inflation rate is zero always incorrect correct only if we have negative interest rate Question 5 6% annual percentage rate (APR) compounded semi annually implies we should consider O 1% per six months and multiply # of years with 12 12% per six months and divide # of years with 2 3% per six months and multiply # of years with 2 6% per six months and keep # of years the same