Katarine has a loan of $3,000,000 to be repaid in 4 years from today. Under the term of the loan, she must pays the interest plus one-fifth of the principal at the end of the first year. At the end of the second and third year, she only pays the interest, but at the end of the fourth year, she pays the interest plus the remaining principal. The interest rate on the loan is a floating rate and will be reset annually the one-year spot interest rate at the beginning of the year. You are given the following information about the term strucure for today: S,(1) 0.030 S.(2) 0.035 S.(3) 0.045 so(4) 0.050 Katarine enters the swap so that she will pay for a fixed rate instead of a floating rate. Calculate the swap rate R based on the loan term above