On January 1st, an account has a balance of $40000. On 3/1 the balance is $42000 and a deposit of $650 is made. On 5/1 the balance is $44750 and a withdrawal of $600 is made. On 9/1 the balance is $42500 and deposit of $625 is made. At the end of the day on December 31st, the balance in the account is $44000. Determine the Time-Weighted Rate of Return. Enter your answer to 3 decimal places