A government bond matures in 5 years, makes annual coupon payments of 5.0% and offers a yield of 3.7% annually compounded. Assume face value is $1,000. Now suppose that two years later the bond yields 5.7%. What return has the bondholder earned over the 24-month period?

(10.97% , 8.00% , 6.33%, 3.86%, 2.16%)