Retirement assets total $4,861,000. Assume its invested for another 24 years and that assumes an annual inflation rate of 4.4 percent. To leave the future value of the $4,861,000 at the end of the 24 years, and maintain an inflation-adjusted lifestyle of $159,000 a year for all 24 years, the persons investments would have to earn an average of ______ percent a year for the entire 24 years.