Five years ago, you invested in the Future Invest co Mutual Fund by purchasing  1,300  shares of the fund at the price of  $17.44  per share. Because you did not need the income, you elected to reinvest all dividends and capital gains distributions.  Today, you sell your  1,550  shares in this fund for  $21.78  per share. If there were a  3%  load on this fund, what would your rate of return be?