2. Download T-bill data from the Federal Reserve Bank of St. Louis (FRED) a. Use the 3-Month Treasury Bill: Secondary Market Rate as a proxy for the risk- free rate. b. Make sure you convert this annual rate to a monthly rate (just divide by 12). 3. Calculate the monthly returns, variances, and sigma (std. deviations) for the S&P 500 and the three companies you selected. 4. Please provide a small discussion on what you observed from the 3 companies, the SPY, and the T-bill rate over the sample period. What did you see in terms of the returns, risk, etc.? 5. Upload your Excel file to Canvas before the due date.