Total risk equals Select one: a. market risk plus non-diversifiable risk O b. systematic risk minus unsytematic risk c. market risk plus firm-specific risk O d. firm-specific risk plus diversifiable risk Under what conditions a distinction must be made between money to be received today and money to be received in the future? Select one: a. When money can earn a positive return. b. A period of economy recession. c. When there is no risk of nonpayment in the future. d. When current interest rates are different from expected future rates