Rand Mutual Fund is one of your best performers. It just announced a year-end distribution of $1.20 per share in capital gains and $3.50 in dividends. Assuming the NAV increased from $33.87 to $44.76, calculate your total annual return.

Enter your answers to two decimal places. Do not include the % symbol. Example: if your answer is -10.22%, then enter -10.22.