A firm's bond has a maturity of 19 years with a $1,000 face value, a 13 percent semiannual coupon, are callable in 5 years at $1,095, and currently sell at a price of $1,185. What is their yield to call (YTC)?

a. 10.84%

b. 8.39%

c.13%

d. 10.70%

e. 9.76%