You purchased shares of a mutual fund at a price of $20.3 per share two years ago and paid a front-end load of 3.7% at that point. Assume that the securities in which the fund invested in increased in value by 7.7% during the first year and 6.7% during the second year. Assume further that the fund's expense ratio was 2.1%. Your total return if you sold the fund at the end of the second year would be Answer%.