Which of the following statements regarding TVM is CORRECT? There is an inverse relation between PVIFA and FVIFA with the same interest rate and number of periods. According to the amortization schedule of a 30-year loan, the monthly principal payments will increase over time. An annuity due has a higher future value but a lower present value than an ordinary annuity with the same cash flows in the same period. The present value of a future sum decreases as either the discount rate or the number discount periods per year decreases. O A bank loan's effective annual rate is always greater than its stated nominal interest rate