Can someone please help me with this question. Note that the current answer on chegg is wrong. thank you!

5. A 39-year annuity-immediate will pay 13 in each of the first 3 years, 12 in each of the next 3 years, and so on, until payments of 1 are made in each of the last 3 years. The present value of the annuity at an annual effective interest rate of 3% is X. Determine X. (a) 59 (b) 165 (c) 177 fei) 1 (e) 187