If 10 -year T-bonds have a yield of 6.2%,10-year corporate bonds yield 9.8%, the maturity risk premium on all 10-year bonds is 1.3%, and corporate bonds have a 0.4% liquidity premium versus a zero liquidity premium for T-bonds, what is the default risk premium on the corporate bond? 3.20% 3.14% 2.46% 2.72% 3.81%