11) (4 pts) If you buy a 5-year 4% coupon bond today with a 3.6% Yield to Maturity and hold the bond for all 5 years, assuming no default risk briefly explain how the realized yield you actually earn over the 5 years could be less than the 3.6% Yield to Maturity? 12) (4 pts) If you buy an 8 year 5% coupon bond with a 6% Yield to Maturity and sell the bond after holding it for 3 years assuming no default risk and a reinvestment of the coupons at 6%, explain how the realized yield you actually earn over the 4 years could be more than the 6% Yield to Maturity