5. Two years ago, Juan loaned $200,000 to his friend, Jeffrey, so Jeffrey could purchase a home. The loan was established as a fixed 5% interest-only loan for 10 years. At the end of the 10th year, Jeffrey must repay the $200,000 of loan principal to Juan. For the last two years, Juan was able to invest the $10,000 ($200,000 principal balance x 5% interest rate) of annual interest income collected from Jeffrey in a savings account that was paying him 5% annually. Currently, the savings account is paying an annual interest rate of only 3%. Which one of the following risks to Juan does this represent?