Caruso is planning to save 2,611.48 dollars every quarter for 6 years. He plans to make his first savings contribution in 3 months from today. If he currently has 5,431 dollars and expects to have 83,411.69 dollars in 6 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