You invested $4,500 in a mutual fund 38 months ago when the NAV of the fund was $31.80, without paying the front-end load. You have not acquired or sold any shares since that time. Today, the NAV is $30.84. The fund charges annual expense fees at 2%. The fund also charges a contingent deferred sales charge of 6, 5, 4, 3, 2, 2, and 1 percent if the shares are redeemed within the first 7 years, respectively. How much money will you receive if you redeem your shares today? what annual rate of return did the fund portfolio underling asset earn?