Which of the following statements regarding a term loan with monthly payments is TRUE? Select one: O a. The percentage of interest from each payment does not change over time. O b. The percentage of interest from each payment decreases over time. c. The percentage of principal from each payment decreases over time. O d. The future value of all payments is equal to the initial loan amount. As the discount rate approaches zero, the present value of future cash inflows Select one: O a. stays unchanged b. gets closer to the sum of the cash inflows O c. slowly approaches zero O d.gets larger without limit, i.e., approaches infinity