The prices of five zero-coupon par bonds are shown in the table below. Each bond has a face value of $1.

Maturity	1 year	2 years	3 years	4 years	5 years
Price	0.94	0.89	0.85	0.82	0.80

Find the two-year forward rate, deferred for one year.

(a) 4.2% (b) 4.5% (c) 5.2% (d) 5.6% (e) 6.0%