Rice Bank has purchased a bond that has a coupon rate of 5.25% and a face value of $1,000. It has 6 years to maturity and is currently selling in the market for $1,055. The bond makes annual coupon payments. Rice Bank plans on selling this bond at the end of 4 years for $1,085 (excluding interest). What is the holding period return on this bond? Answer: __________% (two decimal points)