Consider a fund that holds $420m in financial assets and has 40m shares outstanding. The fund charges 5% front-end load. Each year, the funds assets value increases by 10%. The fund charges management fees of .5% and 12b-1 fees of .5% at the end of the year. What is the average realized annual return to an investor investing in the fund for 6 years? (Provide your answer in percent rounded to two decimals, omitting the % sign)