Anadarko Petroleum must choose between two mutually exclusive oil-drilling projects, which each have a cost of $12 million. Under Plan A, all oil would be extracted in one year, producing a cash flow at t - 1 of $15.6 million. Under Plan B, cash flows would be $2.1 million for 20 years. The firm's WACC is 12%. At what rate are the NPVs for these two plans the same? That is, what is the crossover rate where the two projects' NPVs are equal?