You purchased shares of a mutual fund at an offering price of $95 per share at the beginning of the year and paid a front-end load of 4.00%.If the securities in which the fund invested increased in value by 12.25% during the year, and the fund's expense ratio was 1.25%, what is your rate of return if you sold the fund at the end of the year?Enter your answer rounded to two decimal places.Do not enter % in the answer box.For example, if your answer is 0.12345 or 12.345% then enter as 12.35 in the answer box.