Tamara purchased 500 shares of an international equity mutual fund at $9.00 per share. During the past year, the mutual fund paid dividends of $0.88 per share and had a capital gains distribution of $0.65 per share. The fund is currently trading at $9.70 per share. If Tamara does not sell the mutual fund, what is the return on her investment, including her unrealized capital gain, on a before-tax basis? If Tamara sells the mutual fund, what is the return on her investment on an after-tax basis? Tamara is in a 40 percent marginal tax bracket.