You expect to have $$245,387$ in $26$ months. You plan to make regular savings contributions of $$6,310$ per month for $26$ months and you currently have $$36,000.$ The first regular savings contribution will be made later today. What is the effective annual rate you expect to earn? Input instructions: Input your answer as the number that appears before the percentage sign. For example, enter $9\mathrm{.}86$ for $9\mathrm{.}86\%($do not enter $\mathrm{.}0986$ or $9\mathrm{.}86\%).$ Round your answer to at least $2$ decimal places.