$56.$ What is the value of a $30-$year annuity that pays $$2500$ a year? The annuity$$s first payment will be

received on year $11.$ Also, assume that the annual interest rate is $4$ percent for years $1$ through $10$ and $5$

percent hereafter. $($Note: This question is worth more$)$

a$.$ $$23,312\mathrm{.}91$

b$.$ $$24,045\mathrm{.}21$

c$.$ $$23,593\mathrm{.}38$

d$.$ $$25,962\mathrm{.}69$

e$.$ $$27,001\mathrm{.}20$