Samantha wants to be able to withdraw $450 at the end of each month for three years while she travels, starting five years from now. If she invests $12,000 now to earn 4.68% compounded monthly until she begins to travel, what monthly compounded nominal rate of interest must she earn after she starts to travel? 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 as needed.)