In a world characterized by rising interest rates, many financial institutions use a stepped yield GIC (Guaranteed Investment Certificate) to make investors believe that they are earning a higher yield than they actually are. In an example from a few years ago, the bank advertised the following yields: Year 1: 2.0% Year 2: 2.8% Year 3: 3.5% Year 4: 4.5% Year 5: 8.5% What is the annually compounded rate of return on this investment? Answer format: e.g. XX.X% = XX.X, 12.3% = 12.3 (no % sign, only 1 decimal place)