Given that 3-month t-bills are priced to yield a spot rate of 15.6%, the 3-month forward rate 3 months from now is 4.12%, the 3-month forward rate 6 months from now is 4.43%, and one-year t-bills are priced to yield 18.84%, what is the 3-month forward rate 9 months from now? Assume quarterly compounding