A residual is issued for a CMO carrying $2,000,000 in principal. Predicted cash flows for five years of this security are as follows: Year 1: $650,000 Year 2: $550,000 Year 3: $350,000 Year 4: $250,000 Year 5: $1,500,000 What is the predicted Internal Rate of Return using this cash flow prediction model? (State your answer in decimal points, e.g. if your answer is 12%, then write 0.12)