Which of the following statement(s) is most correct? (6 points)

As the discount rate increases, the present value of an annuity of $1 over the next five years increases.

The future value of the ordinary annuity is greater as the interest rate decreases.

As a credit cardholder, you prefer monthly compounding to daily compounding.

As a lender, you prefer annual compounding to quarterly compounding.

All of the above.