Zap Fund is the mainstay of your portfolio. The investment company just announced its year-end distributions. The long-term capital gain per share is $4.93 and the dividend per share is $1.83. Assuming the NAV increased from $37.86 to $40.72, during the year, calculate your total annual return. Assuming the NAV increased from $37.86 to 540.72, during the year, your total annual return would be 1%. (Round to two decimal places.)