A stock had annual returns of 6 percent, 14 percent, -3 percent, and 2 percent for the past four years. What is the arithmetic average return for this time period? Round your final answer to at least 4 decimal places.

Suppose a stock had an initial price of $99 per share, paid a dividend of $2.20 per share during the year, and had an ending price of $120. What is the total dollar return on this stock over the year?