Which of the following is most acidic? Explain your choice. 
Definitions:
Time Value
The viewpoint that money on hand today is considered more valuable than the same amount received in the future, due to potential earnings.
Money
A medium of exchange that facilitates trade, acting as a unit of account, a store of value, and sometimes, a standard of deferred payment.
Present Value Factors
Multipliers used in calculating the present value of a future cash flow, taking into account the time value of money and interest rates.
Future Value Factors
Future value factors are quantitative measures used in calculating the future value of an investment based on its present value, interest rate, and time period.
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