On January 1, 1997, a stock portfolio is worth $100 thousand. On September 30, 1997, $8.9 thousand is withdrawn from the portfolio, and immediately after this withdrawal the portfolio has a value of $105 thousand. Twelve months later, the value of the portfolio is $108 thousand, and the investor adds $3 thousand worth of stock to his portfolio. On December 31, 1998, the portfolio is worth $100 thousand. Over the two-year period, the annual time-weighted rate of return is X and annual dollar-weighted rate of return is Y.

Find |X-Y|