A T-bill quote sheet has 180-day T-bill quotes with a 5.66 bid yield and a 5.60 ask yield. If the bill has a $10,000 face value, what is the price an investor could pay for this bill? An investor buys $16,000 north of a stock priced at $20 per share using 60% initial-margin. The broker charges 8% on the margin loan and requires a 35% maintenance margin. The stock pays a $0.50 per share dividend in one year and then the stock is sold at $23 per share. What was the investor's rate of return