A stock had returns of 41.20% (1 year ago), -27.20% (2 years ago), X (3 years ago), and 16.80% (4 years ago) in each of the past 4 years. Over the past 4 years, the arithmetic average annual return for the stock was 8.90%. What was the geometric average annual return for the stock over the past 4 years? Answer as a rate in decimal form, rounded to 4 decimal places (for example, .1234 or .0987).