You have a 5101,000 portfolio comprising 12 stocks. You trade each stock five times this year and each time you trade, you pay about 528 in commissions and spread. You have no special knowledge, so you earn only the average market retum of 12% 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 points)