Your broker's initial margin requirement is 60%, the maintenance margin requirement is 35%, and the broker call rate is 3.5% per year. If you buy 200 shares of stock on margin at $86.45 per share and close your position three months later at $85.21 per share, what is your holding period return? O 1) -4.31% (2) 2.56% 3) -3.48% 4) -2.97% 5) 1.81%