A firm is planning to improve its infrastructure, and currently there are two projects considered for this purpose: Project X and Project Y. Project X has an initial cost of $69.072.73 and is expected to generate annual cash flows of $9,000 for the next 17 years. Project Y has an initial cost of $31,000.00 and is expected to generate annual cash flows of $4,100 for the next 17 years. What is the crossover rate (the rate at which the two projects have the same NPV)? 11.05% 10.10% 10.31% 10.94% 10.52%