You can invest funds at 4% APR. You are considering buying an annuity and are comparing two alternatives. Both of these are 20 years in length, with the same number of monthly payments(to you) of $3000. The first instrument pays at the end of the month while the second pays at the beginning of the month. Which kind of annuity is worth more? By how much more is this form of annuity worth to you? Choose the option that answers both questions correctly?