An investor puts up $6,000 but borrows the remaining amount of money from his broker for the total purchase of $10,000. The broker charges 8% on the loan. The stock was originally purchased at $200 per share, and in 1 year the investor sells the stock for $180. The investor's rate of return was ___. If the investor did not borrow any money, then what would be the rate of return? How much was extra profit (or loss) from leverage?