Suppose the call money rate is 4.5 percent, and you pay a spread of 2.5 percent over that. You buy 1,200 shares of stock at $48 per share. You put up $37,440. One year later, the stock is selling for $60 per share and you close out your position. What is your return assuming a dividend of $0.24 per share is paid? (Do not round intermediate calculations. Enter your answer as a percent rounded to 2 decimal places.) Rate of return %