Sasha plans to retire in 4 years from today with 196,221 dollars in her account. If she receives payments of 70,000 dollars per year and she receives her first 70,000 dollar payment in 5 years and her last 70,000 dollar payment in 8 years, then what is the expected annual return for her account? Answer as an annual rate in decimal format so that 12.34% would be entered as .1234 and 0.98% would be entered as .0098.