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I can't understand why the answer is this. I have used a financial calculator, but I can't get this answer. Use the EXCEL rate function

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I can't understand why the answer is this. I have used a financial calculator, but I can't get this answer.

Use the EXCEL rate function or financial calculator to answer the following question. A semi-annual Treasury security with coupon rate of 4.625% that matures in 20 years is currently priced at $144.15 per $100 of face value. What is the yield to maturity on this bond? Answer in percent, round to two decimal places, and do not enter a '%' sign. 1.95 1.95 (with margin: 0.05)

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