Clark purchased 227 shares of a mutual fund with an offering price and NAV of $35.03 per share a year ago. Today, the NAV is $33.52 per share and the fund has just distributed $3.23 per share in long-term gains. What is Clark's rate of return? Multiple Choice -4.31% O O 4.91% O 5.13% O O 13.53% 14.29%