You have 45 years left until retirement and want to retire with $5.7 million. Your salary is paid annually, and you will receive $61,000 at the end of the current year. Your salary will increase at 3.6 percent per year, and you can earn an annual return of 9.4 percent on the money you invest. If you save a constant percentage of your salary, what percentage of your salary must you save each year?