Most People Have a Time Preference

Most people have a time preference.Since this is true:

A) they must earn interest to consume now (save later) and are willing to pay interest to consume later (save now) .
B) they must be paid interest to consume later (save now) and are willing to pay interest to consume now (save later) .
C) they are willing to accept simple interest in the short run but only compound interest in the long run.
D) they will accept positive rates of interest on checking accounts and negative rates of interest on savings accounts.
E) they prefer more free time to less free time.