Suppose the call money rate is 4.5 percent, and you pay a spread of 2.5 percent over that. You buy 700 shares of stock at $61 per share. You put up $19,000. One year later, the stock is selling for $75 per share, and you close out your position. What is your return assuming a dividend of $0.9 per share is paid? (Round your answer to 2 decimal places. Omit the "%" sign in your response.)