To better understand the financial health and relative risk of the company's bonds, we need to determine the credit spread, which reflects the additional yield that investors demand to hold the company's bonds over risk-free government bonds. The company's bonds in question have a face value of CAD 115 million and a current market value of CAD 100 million. These bonds are scheduled to mature in 2 years. For comparison, we will use Canada's government bonds of the same maturity, which have a continuously compounded yield of 4.8% per annum. What is the mean credit spread for the company's bonds?