John agrees to invest in a savings plan that requires deposits of $1000 at the start of each year for 6 years. According to the terms of the savings plan, the force of interest at time t is 0.03 + 0.005t^2 , and the first deposit occurs at time 0, with time measured in years. Find the level annual effective rate of interest that would result in the same accumulated value at the end of 6 years as he will have in his savings plan.