Your folks would like some advice from you. An Insurance agent just called and offered them the opportunity to purchase an annuity for RM$21,074\mathrm{.}25$ that will pay them RM$3,000$ per year for $20$ years. They don$$t have the slightest idea what they would be making on their investment of RM$21,074\mathrm{.}25.$ What rate of return would they be earning?