A four-year project requires an investment of -105 and has the following cash flows in years 1 through 4, respectively (all cash flows in dollars): 118, 235, 154, and 189. Without actually calculating any IRR, what is the minimum possible value any of the real IRRs could have? Give your answer as a percent with two decimals; e.g., 23.24 (Acceptable error = 0.5%)