Jill, a retired nurse, wants to buy an annuity for her retirement. If she pays a premium today (a single amount today), she will receive equal, end-of-the-year cash flows for a specified period of time and no return of her premium. Assume that if her premium is $30,000, she will receive $3,100 per year for 20 years. What rate of return is this annuity earning? 7.98% 8.02% 7.67% O 8.19%