A popular reader's digest offers a lifetime subscription to the magazine for $200. Such a sub sanction may be given as a gift to an infant at birth (the parents can read it in those early years), or taken but by an individual for himself. Normally, the magazine costs $12.90 per year. Knowledgeable people say it probably will continue indefinitely at this $12.90 rate. What rate of return would be obtained if a life subscription were purchased for an infant, rather than paying $12.90 per year beginning immediately? You may make any reasonable assumption but the compound interest factors must be correctly used.