Assume that you own an annuity that will pay you $15,000 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 $128,000 for the annuity. If you sell it, what rate of return would your uncle earn on his investment? a. 6.91% b. 5.73% c. 6.77% d. 5.32% e. 8.36%