A one-year discount bond issued by X has a payout of $5,330.25 and today's price is $5,150. A one-year discount bond issued by Y has a payout of $2,177.78 and today's price is $2,090. Then the bond issued by X has a ____ yield than the bond issued by Y, and this could be because Y has a ____ default risk.

Group of answer choices

higher; lower

lower; lower

lower; higher

higher; higher