At the start of the year, you owned $8,300 of IBM stock, $12,900 of GE stock, $22,000 of Apple stock, and $5,600 of Bank of America stock. During the year, IBM, GE, Apple, and Bank of America returned 8.4 percent, -2.6 percent, -1.1 percent, and 9.9 percent, respectively. What is your portfollio's overall return for the year?