18-118 What Is the Average Return Earned (Both Explicit and Implicit)by

18-118 What is the average return earned (both explicit and implicit) by the account holder over the full year if the minimum balance is reduced to $200?

A) 2.01 percent.
B) 2.65 percent.
C) 3.78 percent.
D) 5.35 percent.
E) 6.13 percent.