As a result of the Covid-19 virus the US falls into a 5-year depression where the S&P 500 has the following returns: Year 1: -20% Year 2: -20% Year 3: -20% Year 4: -20% Year 5: -20% What is the cumulative return over the 5 year period? 0 13.5% 100% -67% o -20%