4) Security A and Security B both provide semi-annual payments of $89 over 5 years. The annual rate of return for both securities is 6.5%. Both securities will provide the same number of payments, but the payments for Security A occur at the beginning of the month and the payments for Security B occur at the end of the month. What is the difference in the present value of these two sets of payments? A) $12.86 B) $18.96 C) $15.86 D) $25.98 E) $24.36 F) None of the above