Choice B is the correct answer. Growth factor is $1 + r$.

1. Identify Rate: $r = 0.10$.
2. Calculate Factor: $b = 1 + 0.10 = 1.10$.

💡 Strategic Tip: Growth means $> 1$. Decay means $< 1$.

Choice A is incorrect because it is the rate. Choice D is incorrect because it represents 10% decay.