An investor purchases a 10-year bond that pays a 6% annual coupon rate. Based on the bond's purchase price, its yield to maturity is 5.8%. After 8 years (when the bond has only 2 years remaining), the investor sells the bond at a price such that the buyer will realize a 4.1% yield to maturity. What was the investor's annual effective yield over the 8-year period that the bond was owned? What would that yield have been if the bond had been sold with a 2-year yield to maturity of 6%