def returnize1(nds):
    if type(nds) == type(pd.DataFrame()):
        nds = nds / nds.shift(1)
        nds = nds.fillna(1.0)
        return nds

    s= np.shape(nds)
    if len(s)==1:
        nds=np.expand_dims(nds,1)
    nds[1:, :] = (nds[1:, :]/nds[0:-1])
    nds[0, :] = np.ones(nds.shape[1])
    return nds
@summary Computes stepwise (usually daily) returns relative to 1, where
dataset/ETHPy150Open QuantSoftware/QuantSoftwareToolkit/QSTK/qstkutil/tsutil.py/returnize1