关于货币时间价值的说法，下列各项中错误的是( )。

单项选择题Advance freight must ______ to the Shipowner even if the goods are lost (by excepted perils) before payment，where they are lost after the due date of payment； nor is it recoverable if the goods are so lost after payment．A.payB.be payingC.have paidD.be paid

多项选择题信息技术演进使得以下哪些方面发生了深刻的变革？