A one-year $100 zero-coupon bond is currently trading at $97. A two-year zero-coupon bond is currently trading at $94. What rate of interest could you lock in today for a loan that starts one year from now and finishes two years from now? Assume that all of these instruments have the same counterparty, so are of equivalent risk. Answer to four decimal places (e.g., an answer of 1.2345% would be entered as 1.2345).