You invested in the no-load OhYes Mutual Fund one year ago by purchasing 600 shares of the fund at the net asset value of $25 93 per share. The fund distributed dividends of $1.64 and capital gains of $2.36. Today, the NAV is $27.17. If OhYes was a load fund with a 25% front-end load, what would be the HPR? Your holding period return would be * (Round to two decimal places)