De Trader opens a brokerage account, and purchases 390 shares of Internet Dreams at $56 per share. She borrows $4,050 from her broker to help pay for the purchase. The interest rate on the loan is 5%. If the share price falls to $46 per share by the end of the year, what is the rate of return on her investment?

De Trader opens a brokerage account, and purchases 390 shares of Internet Dreams at $56 per share. She borrows $4,050 from her broker to help pay for the purchase. The interest rate on the loan is 5%. What is the margin in De's account when she first purchases the stock?