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 $24.49 per share. The fund distributed dividends of $1.62 and capital gains of $1.52. Today, the NAV is $25.54. If OhYes was a load fund with a 2.5% front-end load, what would be the HPR?

Your holding period return would be %. (Round to two decimal places.)