You are comparing two annuities. Annuity A pays $500 at the end of each month for 5 years. Annuity B pays $500 at the beginning of each month for 5 years. The rate of return on both annuities is 4 percent. Which one of the following statements is correct given this information? Annuity B has both a higher present value and a higher future value than Annuity A. The future value of Annuity A is greater than the future value of Annuity B. Annuity A has a higher future value but a lower present value than Annuity B. The present value of Annuity A is equal to the present value of Annuity B. Annuity B will pay one more payment than Annuity A will