You are considering purchasing an "A" type mutual fund (one with only a front-end load). The load is 5% and you are considering investing a total of $1,000 including any fees. This front-end load is the only fee or expense related to this mutual fund. What percentage return will you have to earn in the first year to recover the sales charge? [Note, the load is discounted from the original investment. Please provide an answer with at least two decimal points.]