Jill Stone had 800 shares of High Quality Fund on Jaruary 1. Each share had a value of $28.35. During the year she recerved $380 in dividends and $870 in capital gains distributions. Jill used the funds to purchase new shares at an average price of $25 per share. By the end of the year the shares went up to $47.85 per share. What is her percentage rate of return