An investor in the United States bought a one-year Brazilian security valued at 370,000 Brazilian reals (R$). The U.S. dollar equivalent was $320,000. The Brazilian security earned 12 percent during the year, but the Brazilian real depreciated 5 cents against the U.S. dollar during the time period ($.86 to $.81). After transferring the funds back to the United States, what was the investors return on her $320,000?