As of January 2020, Capital One Bank is advertising online Certificate of Deposit rates of 2.70% for one year, 2.85% for three years and 3.10% for five years. A prospective depositor would like to know the two-year reinvestment rates in one year and three years, respectively, at which she would be indifferent (i.e., achieve the same return) among these alternatives. What do you tell her? (1 point)