A 4-year government bond makes annual coupon payments of 5.9% and offers a yield of 3.9% annually compounded. Assume face value is $1,000. Note: Do not round intermediate calculations. Enter your answers as a percent rounded to 2 decimal places. Suppose that one year later the bond still yields 3.9%. What return has the bondholder earned over the 12-month period? Now suppose that the bond yields 2.9% at the end of the year. What return did the bondholder earn in this case