An investor's transactions in a mutual fund and the fund's returns over a 4-year period are provided in the following table:

Year	1	2	3	4
New investment at the beginning of the year (USD)	2,500	1,500	1,000	0
Investment return for the year	-20%	65%	-25%	10%
Withdrawal by investor at the end of the year (USD)	0	-500	-500	0

Based on this data, the money-weighted return (or internal rate of return) for the investor is closest to: