For bonds, assume coupons paid semi-annually, coupon rates and yields quoted with semi-annual compounding, and redeemable at par unless otherwise noted (Ignore it if it's not relevant to the question).

An employee currently is aged 35, earns $65,000 per year, and expects to receive 2% annual raises at the end of each year for the next 30 years. The employee decides to contribute X% of her salary at the middle of each year for the next 30 years into a retirement plan. Calculate X such that she will have $1,000,000 accumulated at retirement at age 65 if the fund can earn 7% effective rate of interest.