A risky portfolio recommended by Nancy's broker is expected to earn 14.4% return with 12.4% standard deviation. The risk free rate on T-bills is 2% but you have to pay 4% interest on loans. What would be Nancy's expected return, if she optimizes her allocation to maximize utility, while her risk aversion coefficient is 2.5? Provide your answer in percent, rounded to two decimals, omitting the % sign. (E.g. for 0.1234 enter 12:34)