Question 6: Following are the rates of return for German bonds. Estimate AND explain in plain-English the 2-year forvard rate 3 years from today. NOTE: Plain English explanation means that you should not be using financial jargon such as "forward rate" Question 7: Your friend Karma Wilson is a typical college student. She works part time while going to school full time pursuing a degree in Finance. Karma makes decent money as a waitress at Butchers Union and responsibly saves some of her earnings for rainy day fund. However, when it comes to tax refund time, Karma typically uses her tax refund for trips to Four Winds casino or to splurge on a tech gizmo. What type of behavioral bias does this example represent? In your own words, explain what this behavioral bias means in plain English such that an educated college student (not necessarily in business or Finance) can understand and follow your line of thoughts