You have an investment account that earns an APY of 9.78% and pays interest quarterly. What is the APR the account pays? Hint: remember the steps will be (a) find the quarterly periodic rate that would convert into the APY, and then (b) multiply that quarterly periodic rate by 4. State your answer in decimal format, rounded and accurate to 4 decimal places. (E.g., 12.3589% should be entered as 0.1236)