20. What rate of return in the second year of rate of return of -20% in the first year? 21. After two consecutive years of 10% rates of return, what rate of return in the third produce a cumulative gain of 30%? 22. After two consecutive years of 10% losses, what rate of return in the third year will a cumulative loss of 30%? ye 11 shows the rates of total return in successive years from 2013 to