On January $1,2011$ you invested $$1,000$ into a mutual fund that has been set up as a Roth IRA. You do not make any other deposits into this Roth IRA. On January $1,2015$ your account balance is $$2,280.$ First, what has been your average annual rate of returns over the four$-$year period? Second, how much of the current account value of $$2,280$ could you withdraw without penalty on January $1,2015$ to put toward the down payment of your first home?