You invested in the no-load OhYes Mutual Fund one year ago by purchasing 1,000 shares of the fund at the net asset value of $25.00 per share. The fund distributed dividends of $1.50 and capital gains of $2.00. Today, the NAV is $26.00. If OhYes was a load fund with a 2% front-end load, what would be the HPR? Your holding period return would be %. (Round to two decimal places.)