Solving which of the following problems illustrates discounting? Select all that apply. Multiple select question.

A. What is a $1,000 gift to be received next year worth today if the interest rate is 5 percent?

B. Three years ago, you deposited $1,200 in a savings account that pays 1.5 percent interest.

C. How much is the account worth today? How much do you need to invest today at 7 percent interest to have $40,000 available for college expenses in 17 years?

D. If you invest $6,000 today at 5 percent interest, how much will you have 6 years from now?