Phillip borrows $5,000 from Ili for a term of 5 years. Phillip agrees to pay interest at the end of each year at an effective annual interest rate of 8%, and to repay the 1 entire $5,000 as a lump sum at the end of 5 years. Immediately after the third payment, Ili sells the right to future payments to Kristina at a price that will yield Kristina an effective annual rate of return of 6%. What yield rate did Ili realize on her investment?