You want to get started in investing and you are considering buying a bond issued by the Colgate-Palmolive Company, a consumer products company. The bond you want to buy will mature 5 years from now and it generated an annual return of 1.7% last year. Today, the expected annual return on U.S. Treasury bonds is 3.1%. Colgate-Palmolive has other bonds outstanding. One will mature five years from now and is expected to generate an annual return of 4.7%; another will mature 10 years from now and is expected to generate an annual return of 7.5%. Based on the information presented here only, what is the best discount rate for you to use to compute the present value of the expected cash flows from the bond you are you are considering buying today