Dyl Inc.'s bonds currently sell for $1,060 and have a par value of $1,000. They pay a $65 annual coupon and have a 15 -year maturity, but they can be called in 5 years at $1,100. What is their yield to maturity (YTM)? a) 5.12% b) 5.89% c) 6.36% d) 4.47% e) 6.83%