Samantha wants to be able to withdraw $450 at the end of each month for three years while shetravels, starting five years from now. If she invests $12,000 now to earn4.68% compounded monthly until she begins totravel, what monthly compounded nominal rate of interest must she earn after she starts totravel? She must earn a nominal rate of interest of ________ % compounded monthly. (Round the final answer to two decimal places as needed. Round all intermediate values to six decimal places asneeded.)