65. (Based on a problem in Ed Barbeau’s “More Fallacies, Flaws, & Flimflam”; Washington, D.C., Mathematical Association of America, 2013, p. 2.) Suppose that you get a year-end pay raise of 5%, but over the year, there has been inflation of 10%—so in effect you have suffered a pay decrease in terms of what your salary will buy. What is the percentage decrease?