Year	Market	Johnson
1	10%	5%
2	15%	0%
3	-5%	14%
4	0%	10%

The realized returns for the market and Johnson Drugs for the last four years are given above: 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?