5. Hillary's indexed annuity employs a point-to-point method of crediting interest. If the index closing level was 1000 at the time her funds were credited to the index strategy, and the closing level at the end of the period was 1200, what interest rate would be used to credit interest to her annuity funds allocated to the strategy, assuming no other limiting factors apply? o a. 4 percent b. 12 percent c. 20 percent d. 26 percent