Misty has the option to buy two different annuities. The first starts in five years and pays $5,000 per year for three years. The second begins in 10 years and pays $3,000 per year for five years. Currently, Misty is very risk-averse and thus her current required return is 5.7%. In nine years, she expects to be more financially secure and her cost of capital will increase to 6.2% from then on. If each annuity costs $5,000 today, which annuity