Which one of the following statements is true for two annuities with the same payment amount, frequency, and time if Annuity A is ordinary and Annuity B is an annuity due? Assume both annuities have the same interest rate. Annuity B has both a higher present value and a higher future value than Annuity A Annuity B has both a lower present value and a lower future value than Annuity A The relative values of the two annuities depends on the actual interest rate for the two Annuity B has a higher present value but lower future value than Annuity A Annuity B has a lower present value but a higher future value than Annuity A