Over the last 50 years, the U.S. stock market returned 8.6% per year and the T-bill yield averaged 3.0% per year. Using that historical data, if the current T-bill rate is 0.6%, what should be the discount rate on a project with a beta of 1.0? Note: answer in % terms, that is, for an answer of 0.101 = 10.1% enter 10.1