An investor buys $16 thousand dollars of ABT stock at $20 per share, using 59% initial margin. The broker charges 9% APR compounded daily on the loan, and requires a 35% maintenance margin. The stock pays $0.78 per share dividend each year. If the stock is sold at the end of the year at $25 per share, what is the investor's rate of return?

Enter answer in percents, accurate to 2 decimal places.