please explain step by step how to solve the problem. I tried referring to similar questions and was extremely confused.

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3. Kellen leaves an estate of 325,000. Interest on this estate is paid to Gage for the first X years at the end of each year. Silvia receives annual interest payments from the end of year X+1 forever. At an annual effective interest rate of 3.5%, the present value of Silvia's interest payments is 1.48 times the present value of Gage's. Calculate X (A)15 (B) 16 (C) 17 (D) 18 (E) 19 4. At an annual effective interest rate of 12.1%, each of the following are equal to X. The accumulated value at the end of n years of an n-year annuity immediate paying 22.30 per year. The present value of a perpetuity immediate paying 16,762 at the end of each n- year period. Calculate X (A) 1549 (B) 1678 (C) 1758 (D) 1865 (E) There is not enough information given to calculate X