问题如下：
An investor purchased 100 shares of a stock for $34.50 per share at the beginning of the quarter. If the investor sold all of the shares for $30.50 per share after receiving a $51.55 dividend payment at the end of the quarter, the holding period return is closest to:
选项：
A.−13.0%.
B.−11.6%.
C.−10.1%.
解释：
C is correct.
−10.1% is the holding period return, which is calculated as: (3,050 −3,450 +51.55)/3,450, which is comprised of a dividend yield of 1.49% = 51.55/(3,450) and a capital loss yield of −11.59% = –400/(3,450).
这里如果求bank discount yield，FV用哪个数呢？FV要不要加上div?
