Use the table for the question(s) below.
Consider the following average annual returns: 
-What is the excess return for corporate bonds?
Definitions:
Challenging Situation
A circumstance or scenario that presents difficulties or obstacles that are not easily overcome, requiring significant effort, skill, or strategy to resolve.
Transformation
A thorough or dramatic change in form or appearance, often implying significant growth or alteration in structure.
Contemporary Approaches
Modern or current methods and strategies applied within a field or discipline, reflecting the latest knowledge, trends, and innovations.
Traits
Characteristic qualities or attributes that can be used to distinguish individuals from one another, often considered in the study of personality and leadership effectiveness.
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