Jane Austin purchased a 20-year bond at par value when it was initially issued six years ago. The bond has an annual coupon rate of 4.50% and a par value of $1000. The bond's yield to maturity is 6.15%. Given the bond's yield ot maturity, this bond will sell at _______. Assuming no change in market interest rates, the bond will present Jane with capital ________ as it matures.

a. premium; gains

b. discount; gains

c. premium; losses

d. discount; losses