0.56.51 If you need to calculate the present value of a cash flow with an interest rate of 12% compounded quarterly for 5 years, what is the interest rate and the number of periods that you should look for when using Appendix C (i.e., Discounting Tables)? O a. 3%, 20 periods O b. 4%, 15 periods O c. 6%, 10 periods O d. 12%, 5 periods