A share of stock just recently released a dividend for $2.16 per share, and has expected growth rate of 4.50% in the next year, 3.70% in the second year, 4.10% in the third year and 4.70% in the fourth year. The firm's price is currently $13.43 what is the terminal growth rate in year 5 and after that the market is pricing in for the firm given that the expected discount rate on this stock is 21.10%.

		a. -16.70%
		b. -14.82%
		c. 1.73%
		d. 4.40%