A callable bond has 15 years to maturity and can be called in 5 years. The bond's coupon rate is 12% with semi-annual coupon payments. The par value is $1000. If the bond is called, the call price will be $1100. The bond is currently selling for $985.35 What is the difference between its yield-to-call and yield-to-maturity? O 1.65% O 1.03% O 1.52% O 1.78% O 0.78%