At year-end 2525, Stockholders Equity is $2,700 and there are 160 common shares outstanding. For 2526, sales should equal $12,150 , the net profit margin (= net income sales) is 6.10%, the payout ratio (=dividends net income) is 50%, and no shares are issued or repurchased. If the equity price-to-book ratio at year-end 2525 is 1.29, and it moves to 1.22 at year-end 2526, what is the shareholders annual rate of return for 2526?