Kirk Van$$ Houten, who has been married for $23$years$,$ would like to buy his wife an expensive diamond ring with a platinum setting on their$30-$year wedding anniversary. Assume that the cost of the ring will be $$$$12,000$ in $7$ years. Kirk currently has $$$$4,491$ to invest. What annual rate of return must Kirk earn on his investment to accumulate enough money to pay for the$$ ring?