Suppose you buy a round lot of Francesca Industries stock (100 shares) on 55 percent margin when the stock is selling at $30 a share. The broker charges a 14 percent annual interest rate, and commissions are 4 percent of the stock value on the purchase and sale. A year later you receive a $0.40 per share dividend and sell the stock for $39 a share. What is your rate of return on Francesca Industries? Do not round intermediate calculations. Round your answer to two decimal places. %