a) A 10-year annuity paying x at the beginning of every year (i.e., the first of ten payments is made today) is worth the same (today) as an annuity of Sh. 3,000 payable every 6 months for 10 years (20 payments), the first payment of which is due 66 months from now. If the annual interest rate (compounded annually) is 3%, find x