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 $25.08 per share. The fund distributed dividends of $2.28 and capital gains of $1.52. Today, the NAV is $26.10. If OhYes was a load fund with a 3% front-end load, what would be the HPR?

Your holding period return would be ___% (round to two decimal places)