You invested in the no-load OhYes Mutual Fund one year ago by purchasing 600 shares the fund at the net asset value of $24.16 per share. The fund distributed dividends of $1.51 and capital gains of $1.51. Today, the NAV is $25.94. If Ohyes was a load fund with a 2.5% front-end load, what would be the HPR? Your holding period retum would be %. (Round to two decimal places.)