Robert & Gina each get $800 from their grandmother. Robert deposits his $800 in an account that pays an annual interest rate of 4% for 24 months. Gina deposits her $800 in an account that pays an annual interest rate of 4.25% for 1 year. After 1 year, Gina takes the principal and interest from her account and deposits it in a new account. Over the next year, what interest rate must Gina earn in order to end up with at least as much money as Robert? Round your answer to the nearest tenth of a percent.