Only if the 4% decrease is off the original amount; not off the new amount that was increased by 5%
e.g. increasing by gives if you then decrease this amount by you get , whereas increasing by
yes, the changes (both increase and decrease) will be calculated on the same original amount each year
so, the next year, there will be an increase of 101 by 5% and a decrease of 101 by 4% at the same time (increase of 5.05 and decrease of 4.04, which means increase of 1.01, which means 1% increase)
and so on
so it's safe to say so
thanks