A newly married couple is trying to plan for retirement. In their plan, they will work for the next 30 years. They will contribute $10,000 at the end of the first year of work, and increase their contribution by 2% each year while working. Their pre-retirement account is expected to earn 8% APR. In retirement, they will withdraw $8,000 at the beginning of each month. The plan is to have a retirement of 35 years, and to leave $200,000 to charity. Based on this information, what APR will the couple need for their post-retirement account? (express as an APR)