Which statement is correct, assuming positive interest rates and holding other things constant? A. A bank loan's nominal interest rate will always be equal to or less than its effective annual rate. B. If an investment pays 10%interest, compounded annually its effective annual rate will be less than 10%. C. The present value of a 5-year, $250 annuity due will be lower than the PV of a similar ordinary annuity. D. A 30-year, $150,000 amortized mortgage will have larger monthly payments than an otherwise 20-year mortgage.