The last four years of returns for a stock are as follows:

Year	1	2	3	4
Return	-3.8%	27.9%	12.1%	3.7%

a. What is the average annual return? (Round to two decimal places.)

b. What is the variance of the stock's returns? (Round to five decimal places.)

c. What is the standard deviation of the stock's returns (Round to two decimal places.)