You just sold short 539 shares of XYZ, Inc., a fledgling software firm, at $95.52 per share. You cover your short one year later when the share price is $4.50 below the price at which you shorted the shares. If the company paid $1.47 per share in dividends over this period, what is your rate of return (in percent) on the investment? Assume an initial margin of 57 percent. Answer to two decimals.