Earl E$.$ Bird has decided to start receiving his Social Security monthly checks of $$3000$ as soon as he qualifies $($from the first month after his $66$th birthday$).$ Ivana Waite, same age as Earl, decided to wait another $4$ years, so she could receive the maximum monthly payment of $$4000($from the first month after her $70$th birthday$).$ Using the average life of $85,$ at what nominal rate $($compounded monthly$)$ Earl and Ivana are equally good?