Megan has $8,000 USD to invest and would like to hear your suggestions. You have provided her a complete portfolio investment plan. The complete portfolio is composed of a risky portfolio with a return of 10% and standard-deviation of 12%, and a risk-free asset with return equals to 6%. After comparison between these two choices, Megan prefers the risk-free option. Determine the minimum value of Megan's risk-aversion factor. Keep 3 decimals in your answer.