Assume that you buy 100 shares of Afroze Industries stock on 55 percent margin when the stock is selling at $20 a share. The broker charges a 5 percent annual interest rate, and commissions are 2 percent of the stock value on the purchase and sale. A year later you receive a $0.50 per share dividend and sell the stock for $27 a share. What is your rate of return on Afroze Industries?