Consider a fund that holds $$420$m in financial assets and has $40$m shares outstanding. The fund charges $5\%$ front$-$end load. Each year, the fund$$s assets$$ value increases by $10\%.$ The fund charges management fees of $\mathrm{.}5\%$ and $12$b$-1$ fees of $\mathrm{.}5\%$ at the end of the year. What is the average realized annual return to an investor investing in the fund for $4$ years? $($Provide your answer in percent rounded to two decimals, omitting the $\%$ sign$)$