Suppose you received $1,000 and you wish to find its value in 10 years. Calculate the value of this gift if the interest rate was 8% per year, 10% per year, and 12% per year. What can be said about interest rates in this problem?
A - As rates increase, present value decreases at a decreasing rate.
B - As rates increase, present value decreases at an increasing rate.
C - As rates increase, future value increases at a decreasing rate.
D - As rates increase, future value increases at an increasing rate.