Calculate using google sheets please: Emma purchased an IOU from Prof. Ozsoz on 3/12/2022 by paying $95. The IOU has a face value of $100 and matured on 3/12/2023. The IUO also paid a coupon of $3 on 9/12/2022. Calculate Emma's yield to maturity on this IOU.

1.21%

4.35%

6.23%

8.55%