Maria Miller is planning to buy 10-year zero coupon bonds issued by the U.S. Treasury. If these bonds have a face value of $1,000 and are currently selling at $409.29, what is the expected return on them? Assume that interest compounds semiannually on similar coupon paying bonds. (Round intermediate calculations to 5 decimal places, eg. 1.25145 and final answer to 2 decimal places, e.g. 15.25%) Effective rate of return %