You've observed the following returns on Crash-n-Burn Computer's stock over the past five years: 5 percent, -14 percent, 20 percent, 36 percent, and 20 percent. Suppose the average inflation rate over this period was 3.2 percent and the average T-bill rate over the period was 3.9 percent. What was the average real return on Crash-n-Burn's stock?