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You invest $3,800 at the beginning of the year in Bitcoin. Your Bitcoin investment goes up by 12% per month for the first half the

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You invest $3,800 at the beginning of the year in Bitcoin. Your Bitcoin investment goes up by 12% per month for the first half the year, then declines by 10% per month for the second half of the year. What is your effective annual return? Round your percentage answer to two decimla places (e.g. 9.34\%) 4

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