Consider the following spot rate curve: 51 S2 S3 54 55 0.031 0.036 0.042 0.045 0.053 What is the discount factor that applies from period 1 to period 4? That is, what is the value of d1,4? (Keep your answer in decimal format 4 decimal places, e.g. 0.1234. Do not give in percent format e.g. 12.34%.)