(Calculating rates of return) Blaxo Balloons manufactures and distributen birthday balloons. At the beginning of the year Bloed's common stock was seling for $22.62 but by year end it was only $21.05. If the firm paid a total cash dividend of $1.58 during the year, what rate of return would you have earned you had purchased the stock exactly one year ago? What would your rate of return have been if the firm had paid no cash dividend? The rate of return you would have comedis % (Round to two decimal place)