Ursala, Incorporated, has a target debt$-$equity ratio of $1\mathrm{.}31.$ Its WACC is $8\mathrm{.}1$ percent, and the tax rate is $22$ percent.

If the company$$s cost of equity is $12$ percent, what is its pretax cost of debt? $($Do not round intermediate calculations and enter your answer as a percent rounded to $2$ decimal places, e$.$g$.,32\mathrm{.}16.)$