Perpetuity A has payments of $5 that are made at the end of each year forever. The first payment occurs at the end of the third year. Perpetuity B has payments of $Y that are made at the beginning of each year forever. The first payment occurs at the beginning of the sixth year. The present value at time 0 of both perpetuities is the same assuming an annual effective interest rate of 4%. Determine Y. A 5.41 B 5.70 5.93 D 6.16 E 6.41