Uncle Fred recently died and left $$290,000$ to his $45-$year$-$old favorite niece. She immediately spent $$90,000$ on a town home but decided to invest the balance for her retirement at age $65.$ What rate of return must she earn on her investment over the next $20$ years to permit her to withdraw $$75,000$ at the end of each year through age $80$ if her funds earn $10$ percent annually during retirement? Use Appendix A and Appendix D to answer the question. Round your answer to the nearest whole number.