You are considering the following two mutually exclusive three year projects. Both cost $53 million today and produce cash flows at the end of each year. Project X produces $0 in year one, $29 million in year two, and $33 million at three years. Project Y produces $20 million per year for each of the next three years. What is the crossover point? 6.20%13.72%8.37%11.39%22.56%