You are comparing two annuities, which offer monthly payments for ten years. Both annuities are identical with the exception of the payment dates. Annuity A pays on the first of each month while annuity B pays on the last day of each month. Which one of the following statements is correct concerning these two annuities? Both annuities are of equal value today. Annuity B is an annuity due. Annuity A has a higher future value than annuity B. Annuity B has a higher present value than annuity A. Both annuities have the same future value as of ten years from today.