(Rate with LGD, risk-averse lender) Assume a bank can invest in a government bonds at a risk-free rate of 5.1%. Alternatively, it can invest in a corporate bond with a default probability of 5.7%. If the issuer defaults, the bank expects to recover 20.8% of the investment. A risk-averse bank that requires an additional premium of 3.1% as a result of risk aversion would be indifferent between investing in the government bond and the corporate bond if the corporate bond offers a rate of (Blank)%. Round to the nearest 0.01%, drop the % symbol. E.g., if your answer is 0.10245 or 10.245%, record it as 10.25.