One-year Treasury bills currently earn 4.10%. You expect that one year from now, 1-year Treasury bill rates will increase to 4.85% and that two years from now, 1-year Treasury bill rates will increase to 5.65%. The liquidity premium on 2-year securities is .55% and on 3-year securities is .75%. If the liquidity premium theory is correct, what should the current rate be on 3-year Treasury securities.