Assume an investor deposits $$110,456$ in a professionally managed account. One year later, the account has grown in value to $$137,820$ and the investor withdraws $$21,272.$ At the end of the second year, the account value is $$89,886.$ No other additions or withdrawals were made. Calculate holding period return over two years.

Round the answer to two decimals in percentage form.

Please write $\%$ sign in the units box.

answer$=0\mathrm{.}64\%$