An investor earned 48% return in 2017, 16% return in 2018, -45% return in 2019, and -10% return in 2020. What was her 3-year holding period (buy-and-hold) return?

Compound the returns using the formula (1+r₁)*(1+r₂)*...-1

Provide your answer in percent, rounded to two decimals, omitting the % sign.