Based on economists forecasts and analysis, one-year T-bill rates and liquidity premiums for the next four years are expected to be as follows: 1R1 = .37% E(2r1) = .62% L2 = 0.04% E(3r1) = .72% L3 = 0.15% E(4r1) = 1.02% L4 = 0.18% Calculate the four annual rates.