Question 9 2 pts In a lump-sum future value problem, the future value factor is always _ _ 1given that the interest rate is o less than; positive O greater than; zero O equal to; positive less than; zero O greater than; positive Question 10 2 pts In a lump-sum present value problem, the present value factor is always __1, given that the discount rate is greater than; positive less than; negative less than; positive equal to: positive less than; negative Question 11 2 pts The present value of an ordinary annuity is the present value of an annuity due that is equivalent in the amount of annuity paid, the number of annuity payments, and the interest rate. less than O greater than equal to D Question 12 2 pts What is the effective annual rate (EAR) if the annual rate of 5% is compounded semi-annually? 2.5% 10% 5.06% 596