Tim borrowed $35,000 six months ago from his broker at 6% APR compounded monthly to purchase $75,000 of ZTL stock. Since opening his position the stock has depreciated 10%. Assuming that he made no payments on the loan until today what would his personal rate of return be on his investment if he settled his debts and shut his account right now?

[Please reply in percent to 2 decimals. Thus if you find the answer to be +15.8654% please simply write 15.86.]