Stein Co. issued 13-year bonds two years ago at a coupon rate of 10.3 percent. The bonds make semiannual payments. If these bonds currently sell for 95 percent of par value, what is the YTM? (Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16.) Yield to maturity=? Please show steps on how to calculate using a financial calculator.