Winnie invests in the Chow Fund. On January 1, 2016, her account has a balance of 75,000 in the Fund. On April 30, 2016 Winnie has a balance of 80,000 and decides to withdraw 20,000 to go to Europe for the summer. On August 30, 2016, Winnie has a balance of 55,000 in the Fund. She decides to deposit 12,000 in the Fund at that time. Finally, on August 1, 2017, Winnie withdraws 15,000 to pay her tuition. Prior to the withdrawal, Winnie had a balance of 72,000. On December 31, 2017, Winnie has a balance of 59,300. Estimate Winnie's annual dollar weighted return using the simple interest estimate that we learned. (Round your answer to five decimal places.)