A government bond matures in 30 years, makes semi-annual coupon payments of 6.0% ($120 per year) and offers a yield of 3.7% annually compounded. Assume face value is $1,000. Three years later the bond yields 2.7%. What return has the bondholder earned over the 36-month period? O 25.6% 45.5% 23.5% 47.8%