Your online investing portal provides you with the following information: 30-day T-bills are currently yielding 3%; 1-year T-bonds are currently...

Your online investing portal provides you with the following information: 30-day T-bills are currently yielding 3%; 1-year T-bonds are currently yielding 3.6%; the inflation premium is estimated at 0.75% for all bonds maturing during the next year; the liquidity premium for corporate bonds is 0.8%; the default risk premium for the highest rated corporate bonds is 1% and increases to 1.75% for AA-rated bonds and 2.25% for any A or BBB-rated corporate bonds. Given this information, what is the real risk-free rate of return?