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for the individual years, they have dividend payments included. the -7 and 12 have everything included when considered individually.
(B-A)/x=Average return per year where x is the year.
the average rate for year 11 is -7 and average rate for year 12 is 12.
what i want to know is over the past two years i have averaged X.. what is X?
edit: why would anyone need the balances? The individual yearly rates of return are given =\
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