if statement isn't working if user answers no java [closed]

My assignment is to create a calculator in java that tells the user his gross net pay and one of the requirements is asking if they're a union member or not. If they are, the code is supposed to multiply the gross by 5% and if not, nothing happens. With my current code, the gross is multiplied by 5% no matter if the user enters y or n.

System.out.print("Are you a union member (y or n)? ");
String answer = pd.nextLine();
if (answer.equals("y")) { //only applies if user is a member of the union
    ud =  gross * 0.05; 

} else {
    ud = 0; 
     
}
    
union = pd.next();