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In at least three sentences, answer the following questions:  - What is meant by "the time value of money"? - What is the difference between screening and preference decisions? - Which budgeting method requires the user to impute the appropriate rate of interest?

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In at least three sentences, answer the following questions: 
- What is meant by "the time value of money"?
- What is the difference between screening and preference decisions?
- Which budgeting method requires the user to impute the appropriate rate of interest?