To decrease the amount required today to fund a $10,000 debt due two years from now, you could _____ on your savings.

Select one:

a. Either decrease the rate of interest or decrease the number of compounding periods per year

b. Increase the rate of interest earned

c. Earn simple interest rather than compound interest

d. Decrease the number of compounding periods per year

e. Both decrease the rate of interest and the number of compounding periods per year