Raymond Allen purchased 150 shares of Crepps Brewing Company common stock two years ago for $55.40 per share. The stock has paid a regular annual dividend per share of $1.50 each year, plus it paid a special dividend of $0.80 per share last year. The stock currently trades for $51 per share. Assuming Raymond sells the stock today and incurs a one-time transaction fee paid to his broker of $15, what has been the two-year holding period rate of return (HPR) that was earned by Raymond