You just called J.G. Wentworth. You told them that you had just found out you will be receiving $10,000 each year for five years and the first payment will occur one year from now. The underwriter at J.G. Wentworth tells you that they will give you $30,000 today in exchange for the right to the future $10,000 payments. What annual interest rate are you being charged by J.G. Wentworth if you decide to get the $30,000 from them?