Twelve months ago, you purchased the shares of a no-load mutual fund for $22.25 per share. The fund distributed cash dividends of $0.60 and capital gains of $1.60 per share. If the net asset value of the fund is currently $24.45, what was your annual return on the investment? Round your answer to two decimal places If the value of the shares had been $21.18, what would have been your annual return? Round your answer to two decimal places