The rated efficiency of a PV collector, npy = 18.8%, reduces by about 0.4% /C above standard test temperature of 25C. Similarly, the nominal thermal efficiency of a PVT collector, n = 47%, reduces by about 0.8%/C for average operation temperatures above the ambient temperature of 25C. If a PVT collector operates at 30C, what is the overall conversion of effiency of the PVT collector (np+ n, which gives a measure of overall useful energy conversion)? Please give your answer, as a %, to 3 significant digits.