I am designing a 6'-0" CMU stem wall for a garage. We are running the rebar out of the top of the CMU wall and bending them over into the slab to resist the lateral force at the top of the wall and avoid a large cantilevered retaining wall footing. The slab provides enough frictional resistance to resist the lateral force at the top of the wall. My question is this, how far should I run the bars into the slab? My development length is 36" but it feels too short. How do I determine the correct length to run the bars?