Exactly four years ago, you purchased shares in a mutual fund for $500. All the dividends were reinvested in the fund, the current value of the shares you own, including those obtained from dividend reinvestment, is $705.80. The dividends paid and reinvested are shown below. Year 2016 2017 2018 2019 Dividend $30 $32 $36 $40 What is your pretax rate of return to date