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Please answer clearly 1). What is meant by future value of money (future value) and present value of money (present value), why the value of

Please answer clearly

1). What is meant by future value of money (future value) and present value of money (present value), why the value of the two can be different and what factors influence the difference?

2). Why do companies need to hedge? And what is the difference between Speculator and Arbitrage?

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