You own $10,000 of Dennys Corp that has a beta of 3.2. You also own $15,000 of Qwest Communications (beta=1.9) and $15,000 of Southwest Airlines (beta=0.40). Assume that the market return will be 13% and the risk-free rate will be 5.5%; what is the expected return of your portfolio? (Present your response in percentage format; round your final calculation to two decimal places; omit the percentage sign)