Which of the following are false? Select 3 Select one or more: a. To find the future value of a single amount of money, the financial manager uses discounting. b. An annuity due is an annuity for which the payment occurs at the end of each period. c. A dollar that is received in year 2 will be more valuable than a dollar received in year 1 assuming a constant rate of interest. d. The amortization of a loan involves creating an annuity out of a present amount. e. The discount rate of a bond is synonymous with the bond's required return.