A stock has annual returns of 5 percent, 21 percent, -12 percent, 7 percent, and -6 percent for the past five years. The arithmetic average of these returns is the geometric average return for the period is percent. 3.89; 3.62 3.89; 4.60 3.62; 3.89 4.60; 3.62 4.60; 3.89 percent while