Isabella invested in a stock for five years. The annual return over the past five years were: 28.5%, 37.5%, -2.7%, 37.2%, and 39.2%, respectively. What was her average annualized rate of return over the past five years? (Note: Round your answer to 3 decimal places. For example, if your answer is 8.7%, you should write 0.087 in the answer box. DO NOT write 8.7 in the box as you will be marked wrong).