You are evaluating two projects with the following cash flows: Year Project X Project Y 0 ?$543,600 ?$513,500 1 219,200 208,900 2 229,100 218,700 3 236,300 226,600 4 196,000 187,400 What is the crossover rate for these two projects? 11.60% 23.49% 12.76% .63% 22.86%