Sasha plans to retire in 7 years from today with 430,511 dollars in her retirement account. If she receives 105,000 dollars per year from her account and she receives her first 105,000 dollars payment in 8 years from today and her last 105,000 dollars payment in 14 years from today, then what is the expected annual return for her account? Answer as an annual rate in decimal format so that 12.34% would be entered as .1234 and 0.98% would be entered as .0098.