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Review your mid-term exam again and understand why you missed certain questions.  Then answer the problems below:
 
Review your mid-term exam again and understand why you missed certain questions.  Then answer the problems below:
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===Introductory:===
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===Introductory===
    
1.  Receiving $100 next year is not the same as receiving $100 today because of the _________________.
 
1.  Receiving $100 next year is not the same as receiving $100 today because of the _________________.
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