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Caruso is planning to save 3,611.17 dollars every quarter for 2 years. He plans to make his first savings contribution in 3 months from today. If he currently has 6,419 dollars and expects to have 39,715.75 dollars in 2 years from today, then what is the EAR that he expects to earn? Answer as a rate in decimal format so that 12.34% would be entered as .1234 and 0.98% would be entered as .0098.
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