(b) Kamal wishes to select the better of two 10 year annuities, X and Y. Annuity X is an ordinary annuity of RM3,500 per year for 10 years. Annuity Y is an annuity due of RM3,200 per year for 10 years Find the future value of both annuities, X and Y at the end of year 10, assuming that Kamal can earn : (1) 10% annual interest (ii) 20% annual interest. (6 marks) (iii) Comment on the results of both annuitie s at the end of year 10. (4 marks)