how to calculate the risk free rate(is it interest- bp spread)? 125 spread how to convert to decimal?

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Based on the information provided by Rubinstein & Ross, Jennifer estimated that the debt rating was likely to be investment grade with a rating of BBB+ and have an interest rate of approximately 5.50%, which reflected a 125bp spread over the current yield on 10-year US Treasury bonds. onr to etinale e