You just bought a zero-coupon bond for $157. The face value is $1,000, and the maturity is 20 years. Compute the ANNUAL rate of return of your investment if you sell the bond in exactly 5 years. Assume that the YTM in 5 years will be 7%. Please enter your answer as %. For example, if your answer is 2.34%, please enter 2.34. Round to two decimal places.