both questions

Question 12 (2 points) Determine the difference between the present value of a $51,000 twenty-year annuity earning 5% interest compounded annually versus a $51,000 twenty-year growing annuity earning 6% interest compounded annually and having a 3% annuity growth rate. O A) $147,672.18 12 B) $167,672.18 OC) $137.672.18 OD $157.672.18 18 OE) $177.672.18 Question 13 2 points) Tho Eternal Gift Insurance Company is offering you a policy that will pay you and your hors $10.000 can forever. The test bhithe policy is $285.000. What is the rate of retinon this dy AP