Kirk Van Hutten, who has been married for 15 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 $37, 837 in 15 years. Kirk currently has $4, 650 to invest. What annual rate of return must Kirk earn on his investment to accumulate enough money to pay for the ring? Click the table icon to view the PVIF table. The annual rate of return Kirk must earn on his investment is %. (Round to the nearest integer.)