On January 1, an investment account is worth 500. On July 1. the value has increased to 600 and W is withdrawn from the account. On November 1, the value is 280 and 120 is deposited in the account. On January 1 of the following year, use investment account is worth 500. The time-weighted rate of return is 5%. Calculate the dollar-weighted rate of return. 15.12% 16.62% 17.65% 18.71% 19.05%