eco320 money and payments quot please respond to the following

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Discuss how payment systems have evolved over time to reduce transactions costs and predict how technological advancements will continue to reduce transaction costs in the future. Provide specific examples to support your response.

Present Value-Consider a long-term debt you currently own (e.g., a mortgage or student loan) and discuss how you would take present value into account when deciding whether you should retire that debt ahead of schedule. Explain your rationale.

I paragraph for each

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