As a fund of funds manager you divide your fund equally between six hedge funds. These funds earned gross returns of -5%, -2%, 1%, 10%, 15%, and 20% before fees last year. All hedge funds charge 2 plus 20%, and your fund of funds charges 1 plus 15%. Hedge funds' incentive fees are calculated using their gross returns less management fees, while your fund of fund's incentive fee is based on the average net return of the hedge funds after all management fees and incentive fees, less your own management fee. What is the average net return of the six funds to your fund of funds, and finally, the net return to your investors?