Fifteen years ago you purchased for $950 a bond issued by the DEF Corporation. The bond had twenty years to maturity, a par value of $1,000, a 12% coupon, and paid interest semiannually. Since you had no immediate use for the interest payments, you deposited them in your savings account. For the first 5 years, your bank paid 4% compounded semiannually, but for the last 10 years you have only earned 3% compounded semiannually. Tomorrow you will recieve your 30th interest payment, and you plan to sell the bond immediately afterwards at its fair market price. The market rate of return for bonds of this type is currently 15%. What will be your annualized holding period return on this investment?