Zero Motorcycles takes out a $10MM loan, agreeing to pay 0.6MM interest at EOY 1 and at EOY 2, when it will repay the principal. The bank also charges Zero a fee of 5% "points" for this loan, payable at EOY O (at loan signing). 5% "points" means 5% of the principal amount of the loan. What is zero's pre-tax cost of debt capital (ro) for this loan? Hints: 1. rp is the IRR of the loan, with all the loan's cash flows, including the fee. 2. Write the appropriate equation and try these values: 7.35%, 8.84%, and 10.21%. Round your answer to four decimal places