You decide to sell 1,000 shares of Marston Industries short when it is selling at 35. Your broker requires an initial margin deposit of 55 percent with no commission on the sale and a 6 percent interest rate on your margin loan. While you are short, Marston Industries pays a 75 pesewas per share dividend. At the end of one year you buy Marston Industries shares to cover your short sale at 30 and are charged a commission of 15. What is your rate of return on the investment?