Assume that you own an annuity that will pay you $19,000 per year for 12 years, with the first payment being made today. You need money today to start a new business, and your uncle offers to give you $145,000 for the annuity. If you sell it, what rate of return would your uncle earn on his investment? a. 13.10% b. 7.76% c. 18.45% O d. 9.55% e. 8.26%