An investor buys one share of Microsoft stock for $214. They hold onto the stock for a year, receiving $1 in dividends (assume the entire dividend is received at the end of the year) and sell the stock for $220. Their tax rate is 15% on the dividends and 32% on the capital gains. What is their after-tax holding period return?

Report your answer as a percentage and to the nearest 0.01% (e.g. enter 3.95% as 3.95).