Mike Finley wishes to become a millionaire. His money market fund has a balance of $317,283 and has a guaranteed interest rate of 11%. How many years must Mike leave that balance in the fund in order to get his desired $1,000,000? Assume that Sally Williams desires to accumulate $1 million in 19 years using her money market fund balance of $194,490. At what interest rate must Sallys investment compound annually? (Round answer to 0 decimal places, e.g. 5%.)