Which one of the following statements is correct concerning the time value of money? a$.$ The future value of a dollar at the end of two years is equal to the dollar, plus interest times one, plus the annual interest rate. b$.$ as the interest rate increases for any given year, the future value interest factor will decrease., c$.$ the future value of $$1$ decreases with the passage of time, d$.$ the future value interest factor is equal to zero if the interest rate is zero.