11. One opportunity cost families face is the time value of money. What does this refer to?
the income one gets from a part-time job
the time spent with loved ones
the change in interest rates over a period of time
the monetary increase found in earning interest

The change in interest rates over a period of time

Explanation:

Opportunity cost is the cost of the next best option forgone when one alternative is chosen over other alternatives.

Time value of money refers to the concept that money is worth more now than sometime in the future

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