Geoffrey borrows $5,000 from Katherine for a term of 5 years. Geoffrey agrees to pay interest at the end of each year at an effective annual interest rate of 8%, and to repay the entire $5,000 as a lump sum at the end of 5 years. Immediately after the third payment, Katherine sells the right to future payments to Kyle at a price that will yield Kyle an effective annual rate of return of 6%. What yield rate did Katherine realize oil her investment?