A broker wants to sell a customer an investment costing $100 with an expected payoff in one year of $107.4. The customer indicates that a 7.4 percent return is not very attractive. The broker responds by suggesting the customer borrow $80 for one year at 5.4 percent interest to help pay for the investment.

a. What is the customer's expected return if she borrows the money? (Round your answer to 1 decimal place.)