Erik Fineman estimates that over the past five years the arithmetic average return of his Bitcoin investment is 13.13%. He knows that during the first two years his Bitcoin investment earned a return of 16.07% and 23.73%, respectively. During the last two years, Erik knows that his Bitcoin investment earned a return of -11.34% and 9.57%, respectively. Given this information, during the third year, Erik Fineman's Bitcoin investment earned a return of