The price of a UK Gilt bond in January 2013 was $103.71, and in December 2013 was $98.22. It paid a coupon of $3.50 during this period. Calculate the rate of return using logarithms. (Note: Rate of return using log, log(P1+D)/P0, approximately equals (P1+D- P0)/P0 when the change is small. P1 is the end-of-period price, P0 is the beginning-of-period price, and D is coupon/dividend distribution )