Sam is a fund manager competing for customers with Arya and Gilly whose investment experience was as follows: Gilly Event Arya $0 $1,000 $ 1,020 $ 1,000 $ 2,060 $ 1,000 $ 3,120 $1,000 $ 4,195 12/31/08 Fund Value 1/1/09 Contribution 3/31/09 Fund Value 4/1/09 Contribution 6/30/09 Fund Value 7/1/09 Contribution 9/30/09 Fund Value 10/1/09 Contribution 12/31/10 Fund Value $0 $ 2,000 $ 2,040 $0 $ 2,080 $ 2,000 $ 4,160 $0 $ 4,235 If Sam experienced a time-weighted annual rate of return of 4.0% during the same period of time, how does the overall annual time-weighted return of Arya (A) and Gilly (G) compare to that of Sam (s)? A. B. C. D. E. A