You check your savings account balance and happy to see that you have $25000. Your goal is to have $635746 in your savings account when you retire which is 16 years from today. If you can save $3700.00 quarterly for the next 16 years, what return rate would result in $635746 in your savings account when you retire 16 years from today?

_ 2.3% _ 4.3% _ 9.6% _ 8.5% _ 9.2%