The level at which commercial lending institutions set mortgage interest rates has a significant effect on the volume of buying, selling, and construction of residential and commercial real estate. A researcher collected data on annual average mortgage interest rates (for conventional, fixed-rate, 30-year loans) for the period 1987-2010, and run a quadratic trend regression of Y (average mortgage interest rate expressed as a percentage) on X (time period, X = 0, 1, 2 ......, n) and X. The estimated equation has a Y-intercept of 11.25, a slope coefficient of -0.45 for X and a slope coefficient of 0.01 for X. Based on this information, the forecast value of the average mortgage interest rate in 2020 would be ______ percent.