John observes Best Buy's (BB), 5.18%, 19-year, quarterly pay bond trading at 104.514% of par, where par value is $1,000. The bond is callable at 98 in six years. The bonds yield-to-call (YTC) is closest to

W. 3.70%.

X. 4.03%.

Y. 4.58%.

Z. 5.01%.