8. Right now, you hold an investment in a bond that is returning 6% annually and you have had it for 2 years. Last year the inflation rate was 0.5%, but this year inflation increased to 3.5%. What is the difference in the real returns of your bonds from last year to this year.

**just put the number, you do not need to add the percentage. If you this that there has been a decrease, be sure to add the negative in front of your number. If the answer that you have is not a whole number, be sure to include the decimal place**

Answer: