From 1991 to 2002, the stock market (specifically, the S&P 500) had the following annual rates of return:

Year ˜rS&P 500 Year ˜rS&P 500 Year ˜rS&P 500 1991 +0.2631 1995 +0.3411 1999 +0.1953 1992 +0.0446 1996 +0.2026 2000 −0.1014 1993 +0.0706 1997 +0.3101 2001 −0.1304 1994 −0.0154 1998 +0.2700 2002 −0.2337 What was the rate of return over the first 6 years, and what was it over the second 6 years?What was the rate of return over the whole 12 years?