The time value of money refers to:
a. personal opportunity costs such as time lost on an activity.
b. financial decisions that require borrowing funds from a financial institution.
c. changes in interest rates due to changes in the supply and demand for money in our economy.
d. increases in an amount of money as a result of interest

the correct answer is option c. elenita versus "early puerto rican decor" is the best example, out of all the options, of a cultural conflict. a cultural conflict is defined as what happens when different cultures, that have different values and believes, clash. elenita not liking or accepting the puerto rican style of decoration, would represent that she does not identify herself with the puerto rican culture, therefore does not want to have decorations influenced by that culture.