Which of the following options is completely correct? O All else equal if interest rates increase the FV of an annuity will decrease: Most loans are perpetuities. O All else equal if interest rates decrease the FV of an annuity will increase; Most loans are in the form of annuity due. All else equal if interest rates increase the PV of an annuity will decrease: Most loans are ordinary annuities, All else equal if interest rates decrease the PV of an annuity will increase; All loans are perpetuities