Suppose you buy a round lot (100 shares) of Redfell Industries stock on 55% margin when it is selling at $35 a share. The broker charges you a 10 percent annual interest rate and commissions are 3 percent of the total stock value on both the purchase and the sale. If at the end you receive a $0.90 per share dividend and sell the stock for 32 5/8, what is your rate of return on the investment?