Lauren purchases 500 shares of Walsh Corp. at the beginning of the year when the market price of those shares was $77.50. During the year she receives a dividend of $2.80 per share and sells the stock at the end of the year for $82.00 per share. 

Calculate Lauren's total percentage return on this investment if she: 

(a) pays for the shares in-full with cash; and, 

(b) uses the 60% margin her broker offers. Ignore commissions, interest charges and taxes