Initially, your net worth is $200,000. There is then a pandemic, during which you lose your job, you clear out your retirement savings account of $50,000 and spend the whole of your bank deposit of $20,000; your house value falls by 10% from $600,000; your credit card debt increases $25,000; your car depreciates $4,000 in value and your other durables drop in value by $1,000. Your net financial assets change by __________________ and your net worth is now _____________________