Why is $100 only worth $9.23 today?

Discounting: If we increased the length of time involved, would this present value increase or decrease?

Compounding: If the going rate of the savings certificate increased above 10%, what would happen to the future value of the certificate? Would it be above or below $100?

Ethics: Is this scenario deceptive advertising? Why or why not?

Support your position with at least one biblical principle with a specific Bible verse that you feel is relevant to the situation (explain how and why it applies).