Which statement below applies to the nature of the time value of money? (Please explain)

a) Financially, a dollar tomorrow is worth less than a dollar today.

b) Generally, people prefer present consumption to future consumption.

c) Monetary inflation could further discount the present value of future cash flows.

d) Uncertainties associated with the future cash flows could further discount the present value of future cash flows.

e) All of the above.

f) None of the above.

g) Only statements a & b.

h) Only statements a, b, &, d