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Michelle is buying a car and will finance it with a loan that requires monthly payments of $365 for the next four years. Her car payments can be described by which one of the following terms? A. Perpetuity B. Annuity C. Consol D. Lump sum E. Present value The Atkins Brothers recently established a trust fund that will provide annual scholarships of $10,000 indefinitely. These annual scholarships are: A. an ordinary annuity. B. an annuity due. C. amortized payments. D. a perpetuity. E. a perpetuity due. Brian pays 1.5 percent per month interest on his credit card account. When his monthly rate is multiplied by 12, the resulting answer is referred to as the: A. annual percentage rate. B. compounded rate. C. effective annual rate. D. perpetual rate. E. simple rate