In a cluster sample, the variance of the sample mean $\bar{y}_{cl}$ compared to simple random sampling (SRS) is given by $V(\bar{y}_{cl}) = V(\bar{y}_{SRS}) \times Deff$. If the cluster size is $m=21$ and the Intra-class Correlation Coefficient is $\rho=0.05$, what is the Design Effect ($Deff$)?