An investment offers a total return of $9\mathrm{.}5$ percent over the coming year. Janice Yellen thinks the total real return on this investment will be only $3\mathrm{.}0$ percent. What does Janice believe the inflation rate will be over the next year?

Multiple Choice

$7\mathrm{.}26\%$

$-5\mathrm{.}94\%$

$6\mathrm{.}31\%$

$4\mathrm{.}42\%$

$8\mathrm{.}20\%$