Tom has a 10-year increasing annuity-immediate that pays 100 for the first year and increases by 100 each year thereafter. Jerry has a 10-year decreasing annuity-immediate that pays X the first year and decreases by X/10 each year thereafter, Each has an annual interest rate of 6.5%, and they have the same present value. Find X

a)821 b)828 c)835 d)842 e)849