Uncle Fred left you $126,000 in his will. You don't need the money now, but figure you could take this windfall, invest it somewhere, and then years from now when you are fed up with the rat race, you can quit you job and go live on a beach somewhere and live life like a Jimmy Buffett song. You figure that you will need $494,000 to be able to do that in about 27 years. What annual average interest rate will you have to earn on your funds over time in order to be able to afford to live that dream? (show your answer in decimal form to four places, e.g., if you get 12.34% then input 0.1234)