Aloma, a university graduate who started a successful business, wants to start an endowment in her name that will provide scholarships to ME students. She wants the scholarship to provide exist18,000 per year and expects the first one to be awarded on the day she fulfills the endowment obligation. If Aloma plans to donate exist160,000, what rate of return must the university realize in order to award the annual scholarship forever? The rate of return that the university must realize in order to award the annual scholarship forever is