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Time value of money calculations can be solved using a mathematical equation, a financial calculator, or a spreadsheet. Which of the following equations can be used to solve for the present value of an ordinary annuity? PMT/r PMT Times {[(1 + r)^n - 1]/r} Times (1 + r) PMT Times {1 - [1/(1 + r)^n]}/r PMT x {[(1 + r)^n - 1]/r)