Suppose that a new one-year, pure discount bond will pay the owner its face value of $1000 in one year with probability .5, will pay $400 with probability .2 and pay zero with probability .3. Suppose a new riskless one-year, pure discount bond has a yield to maturity of 3%. If everyone is risk neutral, what is the yield to maturity on the risky bond?How would the yield to maturity on the risky bond change if lenders became risk averse?