XZYY $,$ Inc. currently has an issue of bonds outstanding that will mature in $38$ years $.$ The bonds have a face value of $ $1,000$ and a stated annual coupon rate of $12\mathrm{.}0\%$ with annual coupon payments $.$ The bond is currently selling for $ $800.$ The bonds may be called in $6$ years for $112\mathrm{.}0\%$ of the par value $.$ What is your expected quoted annual rate of return if you buy the bonds and hold them until maturity $?22\mathrm{.}56\%19\mathrm{.}12\%13\mathrm{.}68\%15\mathrm{.}02\%24\mathrm{.}47\%$