ne year ago, you purchased $2,500 worth of a mutual fund at an offering price of $36.18 a share. Today, the fund distributed $1.00 in short-term gains and $6.98 in long-term gains. The current NAV of the fund is $34.22. The fund has a front-end load of 5 percent and total annual operating expenses of 1.3 percent. What is your return on this fund for the past year?