A 25 kVA, 13,800/240 V distribution transformer has a full load efficiency of 97% at unity power factor, at which the core loss is 80% of the copper loss. The transformer operates over a 24-hour period as follows: 22.5 kW load, 0.9 power factor lagging for four hours; 12.5 kW load, unity power factor for two hours; 6.25 kW load, unity power factor for eight hours, and no load for ten hours. Find the all-day efficiency of the transformer.