The WSJ reports that the rates on $3-$ and $4-$year Treasuries are $4\mathrm{.}64\%$ and $4\mathrm{.}78\%,$ respectively. You estimate that the liquidity premium on the $4-$year Treasuries is $0\mathrm{.}37\%.$ What is the expected $1-$year Treasury spot rate in year $4?$