True or false: a$.$ A consol bond is priced using the present value of the annuity model $($T$/$F$).$ b$.$ Securities A and B offer the same nominal rate of interest $($APR$),$ but A pays interest quarterly and B pays semiannually. Investment B will have the higher present value $($T$/$F$).$ c$.$ If an investment pays $10\%$ interest compounded annually, its effective annual rate will be greater than $10\%($T$/$F$).$ d$.$ An auto loan is an example of an annuity due $($T$/$F$).$