An insurance firm agrees to pay you $5,089 at the end of 25 years if you pay premiums of $123 per year at the end of each year for 25 years. Find the internal rate of return to the nearest whole percentage point. Assuming you normally earn a return of 7 percent on your investments, is this a good deal or a bad deal? 3.95\%; bad deal 4.05%; good deal 4.05\%; bad deal 4.15\%; good deal 4.15\%; bad deal