Margot recently received a lump payment of $200,000 from winning a lottery. She wishes to deposit all of her winning in an investment account, leaving it to earn interest for 15 years, at which time she hopes to begin making monthly withdrawals of $8000 for the ensuing 10 years, at which time the account will be empty. given this, what annual interest rate, compounded monthly, does the investment account need to pay? Give your results as a percentage, accurate to two decimal places