test

Return default 4% risk-free rate when yfinance unavailable #1322

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Run time

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Job	Run time
linting	15s
test (macos-latest, 3.11)	16m 2s
test (macos-latest, 3.10)	13m 34s
test (ubuntu-latest, 3.10)	23m 12s
test (ubuntu-latest, 3.11)	20m 16s
	1h 13m 19s