Demi invested $16,000 in an exchange traded fund 6 years ago. dividends and earnings were automatically reinvested in new shares. Demi considers herself to be a buy and hold investor, she nonetheless made a few trades during the time period as follows. $3025 redemption at the end of the second year. $1825 redemption at end of third year. $4200 additional investment into the fund at end of 5th year, $19,885 received at end of 6th year when Demi redeemed the shares. what is Demi's internal rate of return?