14 years ago, I purchased 95 shares of a stock worth $13.68 per share. There was a 2:1 split, a 4:1 split, and a 3:1 split during that time period. Today the stock is worth $2.71 per share. If the dividend yield was on average 15% during the last 14 years, what was the total rate of return? Round your answer to the nearest whole number.