Derek can deposit $297.00 per month for the next 10 years into an account at Bank A. The first deposit will be made next month. Bank A pays 13.00% and compounds interest monthly. Derek can deposit $2,551.00 per year for the next 10 years into an account at Bank B. The first deposit will be made next year. Bank B compounds interest annually. What rate must Bank B pay for Derek to have the same amount in both accounts after 10 years?

Category	Prior year	Current year
Accounts payable	41,400	45,000
Accounts receivable	115,200	122,400
Accruals	16,200	13,500
Additional paid in capital	200,000	216,660
Cash	???	???
Common Stock @ par value	37,600	42,000
COGS	131,400	179,694.00
Depreciation expense	21,600	23,798.00
Interest expense	16,200	16,724.00
Inventories	111,600	115,200
Long-term debt	135,000	138,868.00
Net fixed assets	378,728.00	399,600
Notes payable	59,400	64,800
Operating expenses (excl. depr.)	50,400	66,310.00
Retained earnings	122,400	136,800
Sales	255,600	336,945.00
Taxes	9,900	18,503.00

What is the current year's return on equity (ROE)?