Freida Farmer, 78 years young, from Karnak, IL has the winning Powerball lottery numbers which will pay out $10 million at the beginning of each of the next 30 years (reported prize of $300 million). Before claiming her prize, Dependable Insurance Company offers Frieda $170 million today in exchange for her winning lottery ticket and prize payout. What rate of return would Dependable Insurance earn if Frieda accepts their offer?