Suppose the call money rate is $4\mathrm{.}5$ percent, and you pay a spread of $2\mathrm{.}5$ percent over that. You buy $800$ shares of stock at $$36$ per share. You put up $$14,400.$ One year later, the stock is selling for $$48$ per share and you close out your position. What is your return assuming a dividend of $$0\mathrm{.}65$ per share is paid?