Buck is planning to save $63.65 every six months for 7 years. He plans to make his first savings contribution later today. If he currently has $423.73 saved and expects to have $2,125.26 in 7 years from today, then what is the EAR that he expects to earn? Answer as a rate in decimal format so that 12.34% would be entered as .1234 and 0.98% would be entered as .0098.