Caruso is planning to save 4,196.14 dollars each quarter for 10 years. He plans to make his first contribution to his account in 3 months from today. If he has 5,175 dollars in his account today and expects to have 214,204.76 dollars in his account in 10 years from today, immediately after making his last payment, then what is the EAR that he expects to earn on his account? Answer as a rate in decimal format so that 12.34% would be entered as .1234 and 0.98% would be entered as .0098.