Mary purchased 100 shares of XYZ Corp. stock for $20 per share and sold this same stock 367 days later for $28 per share. She paid commission of $80 when she purchased the stock and $100 when she sold the stock. Dividends of $2.50 per share were paid during the year. Mary’s in the 28% tax bracket. Inflation during the year was 3%. What was Mary’s real net average annual rate of return on investment? (Enter number with one decimal places -- no percentage sign. Treat commissions as a reduction in the return on investment rather than affecting principal invested. Both dividends and long term capital gains are taxed at 20%).