You have a $103,000 portfolio comprising 13 stocks. You trade each stock five times this year and each time you trade, you pay about $27 in commissions and spread. You have no special knowledge, so you earn only the average market return of 11.15% 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.)