You read in The Wall Street Journal that 30-day T-bills are currently yielding 6.5 percent. Your brother-in-law, a broker at Safe and Sound Securities, has given you the following estimates of current interest rate premiums: Inflation premium 3.25% Liquidity premium 0.6% Maturity risk premium 1.8% Default risk premium 2.15% On the basis of these data, what is the real risk-free rate of return? 4.75% 0 3.25% 0 2.25% None 4.15%