After unwinding your short position in DarlaCo, you believe that the company's prospect for the coming year are strong, and the stock is undervalued. You buy $300$ shares at $$68$ per share using the maximum margin loan $($your broker's IMR is $60\%).$ Exactly one year later, you sell the stock at $$65$ per share and pay off the margin loan and interest. The interest rate on the margin loan is $8\%.$

If you invested in the stock with cash $($no margin loan$),$ what would your $\%$ return be over the $1-$year period?