20. Tim borrowed $55,000 six years ago from his broker at 16% APR compounded monthly to purchase $150,000 of ZTL stock. Since opening his position the stock has appreciated 5%. Assuming that he made no payments on the loan until today what would his personal rate of return be on his investment if he settled his debts and shut his account right now?

[Please reply in percent to 2 decimals. Thus if you find the answer to be +15.8654% please simply write 15.86.]

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