An investor buys $19 thousand dollars of ABT stock at $20 per share, using 51% initial margin. The broker charges 7% APR compounded daily on the loan, and requires a 35% maintenance margin. The stock pays $0.84 per share dividend each year. If the stock is sold at the end of the year at $23 per share, what is the investor's rate of return? Enter answer in percents, accurate to 2 decimal places