A stock had returns of 15.82 percent (1 year ago), -27.66 percent (2 years ago), X (3 years ago), and 27.72 percent (4 years ago) in each of the past 4 years. Over the past 4 years, the geometric average annual return for the stock was 6.53 percent. What was the arithmetic average annual return for the stock over the past 4 years? Answer as a rate in decimal format so that 12.34% would be entered as .1234 and 0.98% would be entered as .0098.