Uncle Fred recently died and left $$370,000$ to his $45-$year$-$old favorite niece. She immediately spent $$110,000$ on a town home but decided to invest the balance for her retirement at age $65.$ What rate of return must she earn on her investment over the next $20$ years to permit her to withdraw $$85,000$ at the end of each year through age $85$ if her funds earn $10$ percent annually during retirement? Use Appendix A and Appendix D to answer the question. Round your answer to the nearest whole number.