You are comparing two annuities which offer monthly payments of $2,500 for five years and pay interest at an annual rate of 6.8%. Annuity A will pay you on the last day of each month while annuity B will pay you on the first day of each month. Which one of the following statements is correct concerning these two annuities? Select one: a. Annuity A has a smaller future value than annuity B. b. These two annuities have equal present values as of today and equal future values at the end of year five. c. Annuity A is an annuity due. d. Annuity B has a smaller present value than annuity A. e. These two annuities have equal present values but unequal futures values at the end of year five