Your first child was just born and you expect her to enter college in exactly 18 years. You anticipate that she will attend Harvard and graduate after 4 years. The projected total cost to attend Harvard 18 years from now is $200,000 to be paid in a lump sum exactly 18 years from today. You currently have $20,000 to invest. What annual rate of return must your investment yield to cover the entire cost of your childs education? For simplicity, assume that the entire costs for the college education are paid on the day your child enters Harvard.