Suppose you purchase 800 shares of stock at $61 per share with an initial cash investment of $15,000. The call money rate is 5 percent and you are charged a 1.5 percent premium over this rate, c. Calculate your return on investment one year later if the share price is $45. Suppose instead you had simply purchased $15,000 of stock with no margin. What would your rate of return have been now? (Negative amounts should be indicated by a minus sign. Do not round intermediate calculations. Enter your answers as a percent rounded to 2 decimal places. Omit the "%" sign in your response.) Rate of return Without margin, rate of return