A stock had returns of 21.70% (1 year ago), 2.40% (2 years ago), X (3 years ago), and 14.60% (4 years ago) in each of the past 4 years. Over the past 4 years, the geometric average annual return for the stock was 2.85%. Three years ago, inflation was 3.62% and the risk-free rate was 4.47%. What was the real return for the stock 3 years ago? Answer as a rate in decimal format so that 12.34% would be entered as .1234 and 0.98% would be entered as .0098.