An Australian importer has received goods from India and will pay 3 million Indian rupees (INR) in one year. The importer expects that the value of the INR will appreciate by 20.31% against the Australian dollar from todays spot rate of 0.2576 in one year. How much Australian dollar the importer will make a loss in percentage (%) due to appreciation of INR after one year? (enter 2 decimal places number with no sign or symbol)