A firm's outstanding bonds have a par value of $1,000, a coupon rate of 6%, semi-annual coupon payments, and 12 years remaining until maturity. If the bond's market price is $980 and the tax rate is 26%, what is its after-tax cost of debt? Enter your answer as an annualized rate in decimal format, and show four decimal places. For example, if your answer is 5.1%, enter .0510.