You buy a 24 year bond with a 10% coupon rate, a YTM of 4% and a $30,000 face value. What will your annualized holding period return (HPR) on this investment be if you hold the bond for 6 years, the YTM on the bond when you sell it equals 12% and you can reinvest coupons at 6%? Express your answer in without a percent sign, using 3 decimals (12.345% = 12.345).