On January 1st, and account has a balance of $10,000. On March 1st, the balance in the account is $10,150 and a $850 deposit made (positive transaction). On August 1st, the balance is $11,055 and a $555 withdrawal (negative transaction) is made. On October 1st, the balance is $10,605 and a $1,395 deposit (positive transaction) is made. The balance on December 31st is $12,120. Determine the time-weighted rate of return.