XZYY, inc. currently has an issue of bonds outstanding that will mature in 31 years. The bonds have a face value of $1000 and a stated annual coupon rate of 13.0% with annual coupon payments. The bond is currently selling for $907. The bonds may be called in 5 years for 113.0% of the par value. What is your expected quoted annual rate of return if you buy the bonds and hold them until maturity!