Calculate the missing interest rate (to the nearest 0.01%) 
Definitions:
Sperm
The male reproductive cell or gamete, which is necessary for fertilization of the female ovum, leading to the development of an embryo.
Genetic Material
Molecules like DNA or RNA in living organisms that carry genetic information critical for inheritance, function, and development.
Chromosomes
Structures found within cells that carry genetic information in the form of genes.
Environmental Influences
External factors or conditions that affect an individual's development, behavior, or lifestyle, including social, physical, and cultural factors.
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