You own 100 shares of stock that you bought when the stock price was $30 per share. Assume that you sell your shares for $33 per share one year after you bought them, and you've received dividends during the year totaling $0.90 per share. If you're in the 24 percent federal income tax bracket and your dividends and capital gains both qualify for taxation at the capital gains tax rate, what is your after-tax rate of return