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Given the same nominal interest rates, a depositor will ALWAYS prefer a bank that compounds monthly over a bank that compounds quarterly. True False Question 9 ( 4 points) Given the same cash flows, interest rate, and CF frequency, the PV of an Annuity Due is ALWAYS higher than the the PV of an Ordinary Annuity. True False Question 10 ( 4 points) The PV of a future lump sum (a FV) is ALWAYS higher than the FV. True False