If Westey wants to refire in 24 years with $1,080,000.00 and can save $9,040,00 annually for 24 years with his first savings conkribution made in 1 year, then what annual return does he need to earn?(Round the value to 2 decimal places and Please enter the value only without converting it to a decimal format. if the answer is 8.55%, enter 8.55 )