Marigold Limited has bonds outstanding that will mature in 6 years. The bonds have a face value of $1,000. The bonds pay interest semi-annually and have a coupon rate of 5.0 percent. If the bonds are currently selling at $898.91, what is the yield to maturity that an investor who buys them today can expect to earn? (Round answer to 1 decimal place, e.g. 5.2\%.) Yield to maturity % What is the effective annual yield? (Round answer to 2 decimal places, e.g. 5.27\%.)