Dawn has $10,000 to invest. She is considering OPQ Mutual Fund and RST Exchange-Traded Fund, both of which have been around since the early 2000s. OPQ 's most recent five-year returns have been 8%,4%,2%,12%, and 1%, while RST has returned 10\%, 18%,26%,13%, and 9% in the same time frame. Taking into account a risk-free rate of 2.3%, how much better is one over the other (round to the nearest hundredth)