You can invest funds at 7.5% (APR). You are considering buying an annuity and are comparing two alternatives. Both of these last 15 years, with the same number of monthly payments (to you) of $4,850. The first instrument pays at the end of the month while the second pays at the beginning of the month. You believe the second alternative must be worth more as the money comes to you faster, but how much more is it worth to you (to the nearest dollar)? $3,211 O $3,270 $10,037 $9,501 $4,850