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You purchased shares of a mutual fund at a price of $24.2 per share two years ago and paid a front-end load of 3.1% at that point. Assume that the securities in which the fund invested in increased in value by 7.5% during the first year and 6.5% during the second year. Assume further that the fund's expense ratio was 2.0%. Your total return if you sold the fund at the end of the second year would be what %