Rubber sidewalks made from ground-up tires are said to be environmentally friendly and easier on peoples’ knees. Rubbersidewalks, Inc. of Gardena, CA, manufactures the small rubberized squares that are installed where tree roots, freezing weather, and snow removal require sidewalk replacement or major repairs every three years. The District of Columbia spent $60,000 for a rubber sidewalk to replace broken concrete in a residential neighborhood lined with towering willow oaks. If a concrete sidewalk costs $28,000 and lasts only 3 years versus a 9-year life for the rubber sidewalks, what rate of return does this represent?