Which of the following best illustrates concepts of the time value of money? A. The interest rate is one of the things that determine the difference between the present value and the future value of a given amount of money. B. A dollar promised at some point in the future is worth less than a dollar received today. C. The trade-off between money now and money later only depends on the inflation rate. A and B B only DOO A only A, B, and C 4 points What comes closest to the annual return (in %) on a share of a dividend-paying stock over the year 2020 if its price on January 1, 2020 was $136.4 and the price on Dec 31, 2020 was $122? It has paid an annual dividend of $1.5 in the year of 2020. 11.7% 13% -9.5% -11%