Bob is interested in a stock that is currently trading at $32 per share and that pays monthly dividends of $0.80 per share. His expectation is to sell the stock in four months for $35. Steve is interested in a different stock that is trading at $34 per share and that pays quarterly dividends of $0.95 per share. He expects to sell the stock in six months for $38. Which stock is more lucrative in terms of the annualized holding period return?