An association had a fund balance of 80,000 on Jan 1, 2019 and a balance of 75,000 on Dec 31, 2019. At the end of every other month, starting at the end of Feb, the association deposited 20,000 from membership fees. There were withdrawals of 15,000 made on March 31, 30,000 on June 15, and 90,000 on October 31. Calculate the dollar-weighted rate of return for the year