Zap Fund is the mainstay of your portfolio. The investment company just announced its year-end distributions. The long-term capital gain per share is $3.28 and the dividend per share is $0.81. Assuming the NAV increased from $28.62 to $35.21, during the year, calculate your total annual return. ..... Assuming the NAV increased from $28.62 to $35.21, during the year, your total annual return would be %. (Round to two decimal places.)