well, let's take a looksie, if it decreased by 50% the 1st year, that means what's leftover is 50% of it, well
so, on the next year it increases by 60% of 5000
well, 10% of 10000 is 1000 bucks, if the consultant is correct, I should have 10000 + 1000 = 11000, but I don't, so he needs a nice cup of tea and chill some.
well, I started with 10000 bucks, now I only have 8000, lost 2000 bucks, 2000 is 1/5 of 10000 or namely 20%.