Assume inflation is $0\mathrm{.}17\%$ per month. Would you rather earn a nominal return of $0\mathrm{.}79\%$ per month, compounded monthly, or a real return of $6\mathrm{.}5\%$APR, compounded annually? $($Note: Be careful not to round any intermediate steps less than six decimal places.$)$

The annual rate for the nominal return of $0\mathrm{.}79\%$ per month is $($Type your answer in decimal format. Round to six decimal places.$)$