Task: Question Answering
Input (English): Problem: you hold some gold in a vault as an investment . over the past year the price of gold increases by 40 % . in order to keep your gold in the vault , you must pay 5 % of the total value of the gold per year . what percentage has the value of your holdings changed by over the past year . 
Options: a ) 35 % , b ) 33 % , c ) 36 % , d ) 38 % , e ) 40 %
Output (English): b