Question 13 (1 point) an Consider the following rates: J4=3% J12=?% if the Mo rates are equivalent, we can conclude that: O the unknown rate is less than 8%. O the unknown rate is equal to 8%. O the unknown rate is greater than 8%. 0 it is impossible to tell from the information given. Question 12 (1 point} I: Consider two annuities with the same payments, interest rate and term. If one is an ordinary annuity and the other is an annuity due, we can say that: O the Ordinary annuity will have a larger iuture value. 0 the annuity due will have a larger future value 0 both annuities will have the same future value