You have a $$104,000$ portfolio comprising $12$ stocks. You trade each stock five times this year and each time you trade, you pay about $$28$ in commissions and spread. You have no special knowledge, so you earn only the average market return of $11\mathrm{.}29\%$ on your investments. How much lower will your total return be because of your trades?

As a result of your trades, your total return will be $\%$ lower. $($Round to two decimal places.$)$