Twelve months ago, you purchased the shares of a no$-$load mutual fund for $$22\mathrm{.}30$ per share. The fund distributed cash dividends of $$0\mathrm{.}70$ and capital gains of $$1\mathrm{.}25$ per share. If the net asset value of the fund is currently $$24\mathrm{.}45,$ what was your annual return on the investment? Round your answer to two decimal places.

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If the value of the shares had been $$21\mathrm{.}30,$ what would have been your annual return? Round your answer to two decimal places.

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