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 $84,759.43 and is expected to generate annual cash flows of $9,000 for the next 17 years. Project Y has an initial cost of $40,000.00 and is expected to generate annual cash flows of $5.200 for the next 17 years. What is the crossover rate