The spot price of a commodity is $$10,$ while its six$-$month futures price is $$10\mathrm{.}22.$ Given that the annual financing rate is $0\mathrm{.}03,$ the annual spoilage rate is $0\mathrm{.}10,$ and the storage cost per month is $$0\mathrm{.}03.$ What is the implied annual convenience yield? For simplicity, assume simple interest rather than compound interest. $[2$ decimal places, e$.$g$.,0\mathrm{.}12$ for $12\%]$