Bank X recently purchased $ 4 million worth of euro-denominated one-year CDs that pay 7 percent interest annually. The current spot rate of US dollars for euros is $ 1.28/euro1. What will be the return on the one-year CD if the dollar appreciates relative to the euro such that the spot rate of US dollars to euros at the end of the year is $ 1.21/euro1 ? What will be the return on the one-year CD if the dollar depreciates relative to the euro such that the spot rate of US dollars for euros at the end of the year is $1.31/euro1.