Your folks just called and would like some advice from you. An insurance agent just called them and offered them the opportunity to purchase an annuity for ?$15 comma 854.0215,854.02 that will pay them ?$2,000 per year for 20 years. They? don't have the slightest idea what return they would be making on their investment of ?$15,854.02. What rate of return would they be? earning?