Imagine an investor in the United States, investing $$100,000$ in a foreign stock. Over the investment period, the stock appreciates by $15\%,$ and the local currency strengthens against the U$.$S$.$ dollar by $5\%.$ The investor receives $$1,000$ in dividends during this period.

$1.$ Calculate and interpret the total return in the local currency for the investor from both capital appreciation and dividends.

$2.$ Calculate and interpret the total return in U$.$S$.$ dollars, considering the currency exchange rate change.