Five years ago Janet purchased a $1,000 face value annual coupon bond with an 6% coupon rate and a 15-year maturity. At the time of purchase, it had a yield to maturity of 8%. If Janet sold the bond today with the yield to maturity being 9%, what annual rate of return would she have earned for the past five years in each of the following situations: a) All coupons were immediately spent when received. b) All coupons were reinvested in a bank account, which pays 5 percent interest until the bond is sold