Dumb and Dumber are 2 brothers. Dumb purchased, for a $100 price, a $100 face value bond that pays interest annually at 10%. The principal is due and payable at the end of 5 years. Dumber purchased, for a $100 price, a deeply discounted zero coupon bond that pays nothing annually, but that has a final lump sum payment of $161.05 at the end of 5 years. What are the yields to maturity (YTM) of both bonds? Which pays a higher yield? How is the YTM different than the Internal Rate of Return (IRR)?