An investor in Canada bought a one-year New Zealand security valued at 146,263 New Zealand dollars. The Canadian dollar equivalent was $100,000. The New Zealand security earned 8 percent during the year, but the New Zealand dollar depreciated 3 cents against the Canadian dollar during the time period ($0.6837/NZD to $0.6520/NZD). After transferring the funds back to Canada, what was the investor's return on her $100,000?