Investment	Average Return
Large-company stocks	12.3%
Small-company stocks	17.1
Long-term corporate bonds	6.2
Long-term government bonds	5.8
U.S. Treasury bills	3.8
Inflation	3.1

From the table given above, the average annual return on large-company stock was____percent in nominal returns, and ____ percent in real terms. Use the Fisher Effect formula to convert nominal rates into real rates and vice versa.