YOP Inc has a 3 year outstanding bond with 13%yield. Investors expect to earn an average of 3% in real rate of return. Inflation is expected to be 1.5%, 2.0% and 4% for the next 3 years. Its lack of popularity in the finanical market requires it to pay 2.5% for its lack of liquidty, and its relatively shortamount of timebefore maturity only requires a 1.5% maturity risk premium. What is YO's default risk premium?