You invested $85,000 in a mutual fund at the beginning of the year when the NAV was $33.97. At the end of the year the fund paid $.39 in short-term distributions and $.56 in long-term distributions. If the NAV of the fund at the end of the year was $30.13, what was your return for the year? (Negative answer should be indicated by a minus sign. Do not round intermediate calculations. Enter your answer as a percent rounded to 2 decimal places. Omit the "%" sign in your response.)