A bond that pays interest annually yielded $7\mathrm{.}37$ percent last year. The inflation rate for the same period was $5\mathrm{.}4$ percent. What was the actual real rate of return?

$4\mathrm{.}85$ percent

$4\mathrm{.}49$ percent

$1\mathrm{.}87$ percent

$4\mathrm{.}25$ percent

$1\mathrm{.}19$ percent