Rust Bucket Motor Credit Corporation (RBMCC), a subsidiary of Rust Bucket Motor, offered some securities for sale to the public on March 28, 2008. Under the terms of the deal, RBMCC promised to repay the owner of one of these securities $88,284 on March 28, 2,043, but investors would receive nothing until then. Investors paid RBMCC $28,743 for each of these securities; so they gave up $28,743 on March 28, 2008, for the promise of a $88,284 payment in 2,043.

Suppose that, on March 28, 2022, this securitys price is $44,008. If an investor had purchased the security at market on March 28, 2022, and held it until it matured, what annual rate of return would she have earned? (round 2 decimal places)