VISA Inc.'s stock has a required return of 12% and the stock is currently priced at $75 per share. VISA just paid a dividend of $1.25, and they have announced that they plan to increase its dividend payment at a rate of 35% per year for the next 4 years. After Year 4, they expect the dividend growth rate to slow down from the 35% to a more modest constant growth rate of X% per year going forward forever. What is the constant growth rate that VISA is expecting after Year 4 (i.e., what is X)