The following table shows data for a fictional mutual fund XYZ$.$ The table shows the total return for XYZ from years t$-4$ through year t$,$ as well as the difference between the return XYZ and the average return for all firms in XYZ$$s Morningstar category.

Total Return

Year t$-4$ Return

Year t$-3$ Return

Year t$-2$ Return

Year t$-1$ Return

Year t Return

$(\%)$

$(\%)$

$(\%)$

$(\%)$

$(\%)$

$(\%)$

Investment $245303516$

$+/-$ Category $23-22-4$

In which of the following years did fund XYZ underperform relative to its competitors in its category? Check all that apply.

Year t$-3$

Year t$-4$

Year t$-1$

Year t$-2$

Year t

True or False: Morningstar$$s Analyst Rating is used to rate a fund$$s future outlook.

True

False