Suppose you purchased 100 million baht worth of USD-denominated one-year CDs that pay 1.5 percent interest annually. The current spot rate is 31.20 Thai baht per one U.S. dollar. The return on the one-year CD if the spot rate at the end of the year is 30.80 will be _____ %. (Do not include percentage sign and round your answer to two decimal places, e.g., 32.16)