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 $4\mathrm{.}0\%.$ If the securities in which the fund invested increased in value by $13\mathrm{.}25\%$ during the year, and the fund$$s expense ratio was $1\mathrm{.}50\%,$ what is your rate of return if you sold the fund at the end of the year? Do not enter $\%$ in the answer box. For example, if your answer is $0\mathrm{.}12345$ or $12\mathrm{.}345\%$ then enter as $12\mathrm{.}35$ in the answer box.