Your best friend just won the Florida lottery. She has the choice of $15,900,000 today or an annuity with payments of $1,300,000 for 20 years, with the first payment coming one year from today. What rate of return is built into the annuity? Disregard any tax consequences. Your answer should be between 2.01 and 14.74, rounded to 2 decimal places, with no special characters