XYZ stock price and dividend history are as follows: Beginning-of-Year Price Dividend Paid at Year-End Year 2010 2011 2012 2013 $ 100 $110 $ 90 $ 95 $4 $4 $4 $4 An investor buys three shares of XYZ at the beginning of 2010, buys another two shares at the beginning of 2011, sells one share at the beginning of 2012, and sells all four remaining shares at the beginning of 2013. What are the arithmetic average rates of return for the investor? (Do NOT enter % sign. If your answer is 0.0678 or 6.78% enter only 6.78. Round your answer to 2 decimal places.)