Smith has 1000 with which she wishes to purchase units in a mutual fluid. The investment dealer takes a 9% "front-end load" from the gross payment. The remainder is used to purchase units in the fund, which are valued at 4.00 per unit at the time of purchase. Six months later the units have a value of 5.00 and the fund managers claim that "the fund's unit value has experienced 25% growth in the past 6 months." When units of the fund are sold, there is a redemption fee of 1.5% of the value of the units redeemed. If Smith sells after 6 months, what is her 6-month return for the period? Suppose instead of having grown to 5.00 after 6 months, the unit values had dropped to 3.50. What is Smith's 6-month return in this case