Question: I know the answer, but whats the reason ? Which of the following has the lowest time value of money at the same interest rate

I know the answer, but whats the reason ?

Which of the following has the lowest time value of money at the same interest rate for the same number of payments?

a.

The present value of an ordinary annuity
b.

The present value of an annuity-due
c.

The future value of an ordinary annuity
d.

The future value or an annuity-due

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