Given a spot curve that has zero rates r 0.5 = 2 % ; r 1 = 2.5 % ; r 1.5 = 3 % ; r 2 = 3.5 % . If we want to sell a forward loan contract that starts from the year end of the first year and matured at the end of 18 months, what is the appropriate forward rate (quoted in Annual Percentage Rate with semi-annual compounding) for this contract? (Enter your answer as a decimal rounded to 4 decimal places)