Consider the following monthly returns. Year Month Return in (%) 2021 12 2.33 2021 11 0.93 2021 10 0.47 2021 9 - 1.16 2021 8 0.70 2021 7 0.93 2021 6 1.16 2021 5 -0.70 2021 4 2.33 2021 3 0.93 2021 2 0.00 2021 1 1.16 a. Calculate the average geometric return in % (Round to closest 2 decimal places). b. Calculate the average arithmetic return in % (Round to closest 2 decimal places). c. Briefly explain why these two may be different