What is the correct answer?

Concerning an ordinary annuity and an annuity due with the same payments and positive rate, which of the following statements is/are most correct? O a. The future value of an annuity due is less than the future value of an ordinary annuity. b. The present value of the ordinary annuity is less than an annuity due O c. There is no relationship O d. The present value of the ordinary annuity is greater than an annuity due