You are given the following information about spot rates:
Year Spot rate
1 4.50%
2 4.90%
3 5.60%
4 6.40%
Calculate the three one-year forward rates (f1,1, f2,1, and f3,1), the two two-year forward rates (f1,2 and f2,2), as well as the one three-year forward rate (f1,3).