You invested $9,000 in a mutual fund when the offering price was $31.50 and the NAV was $30.20. This purchase was made one year ago today. Today, the fund distributed a total of $1.55 in long-term gains and $0.85 in short-term gains. The current offering price is $33.42 and the NAV is $32.08. What is your return for the year? What would be the return if the mutual fund also paid a $.90 dividend and the time period is 4 months