please help asap before 11:59pm

You read in The Wall Strect Joumal that 30 -day T-balls are currently yielding 4.0%. Your brother-in-law, a broker at Sate and Sound Securities, has given you the following estimates of current interest rate premiums: - Inflation premium =3.00% - Liquidity premium = 1.2% - Maturity risk premium =2.15% - Defoult risk premium =2.15% On the basis of these data, what is the real risk-free rate of return? Round your answer to two decimal places