The realized returns for the market and Johnson Drugs for the last four years are given below: Year 1 2 3 4 Market 10% 15% -5% 0% Johnson 5% 0% 14% 10% An average stock has a required return of 12 percent, and the market risk premium is 4 percent. If Johnson's expected rate of return is 8 percent, what is the difference between Johnson's expected and required rates of return?