You have a $101,000 portfolio comprising 15 stocks. You trade each stock five times this year and each time you trade, you pay about $34 in commissions and spread. You have no special knowledge, so you earn only the average market return of 11% on your investments. How much lower will your total return be because of your trades? As a result of your trades, your total retum will be \% lower. (Round to two decimal points.)