You purchased shares of a mutual fund at a price of $$18$ per share at the beginning of the year and paid a front$-$end load of $1\mathrm{.}0\%.$ If the securities in which the fund invested increased in value by $12\%$ during the year, and the fund's expense ratio was $0\mathrm{.}5\%,$ what would be your net return $(\%)$ if you sold the fund at the end of the year?