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Kristoff made an investment of $20,000 today into an account that paid him an annual interest rate of 2% (APR) for the first 2 years

Kristoff made an investment of $20,000 today into an account that paid him an annual interest rate of 2% (APR) for the first 2 years and 4% (APR) for the next 5 years. What was his annual rate of return over the entire 7 years?

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