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?