What is the present value at year zero for the following cash flow at a discount rate of 10%? At year zero (now), you receive $12,000. Select one: O a. $9,015.78 O b. $12,000.00 O c. $9,917.36 O d. $10,909.09 O e. None of the above Which of the following is the function of a financial market? Select one: O a. provide liquidity O b. risk management O c. efficient allocation of capital O d. all of the above O e. None of the above