Tommy wishes to determine the return on two stocks she owned in 2019.

At the beginning of the year, stock X traded for $68per share. During the year, X paid dividends of $5

At the end of the year, Xstock was worth $63

Calculate the annual rate of return, r, for X

(Enter the answer in % format without % sign -> 20.51 and not 20.51% or 0.2051)