Suppose you buy a round lot of Francesca Industries stock on 55 percent margin when the stock is selling at $ 20 a share. The broker charges a 10 percent annual interest rate, and commissions are 3 percent of the stock value on the purchase and sale. A year later you receive a $ 0.50 per share dividend and sell the stock for $ 27 a share. What is your rate of return on Francesca Industries?