Investment X requires a $3,000 upfront cost and, in 5 years, pays 6% (APR) with monthly compounding. Investment Y also requires a $3,000 upfront cost and, in 5 years, also pays 6% (APR) but with annual compounding. How much more will investment X be worth than investment Y if both are purchased at the same time and held for 5 years? $51.83 O $44.61 O $31.87 O $94,948.39