Suppose you buy a round lot of Francesca Industries stock $(100$ shares$)$ on $65$ percent margin when the stock is selling at $$20$ a share. The broker charges a $12$ percent annual interest rate, and commissions are $4$ percent of the stock value on the purchase and sale. A year later you receive a $$0\mathrm{.}60$ per share dividend and sell the stock for $$30$ a share. What is your rate of return on Francesca Industries? Do not round intermediate calculations. Round your answer to two decimal places.