John is an analyst at a fixed income investment firm. He is analyzing the term structure of interest rates to gain insights into future rates. He is particularly interested in the concept of forward rates, as they can indicate market expectations about future interest rates based on current yield curves.

This month, John observes that the current two-year interest rate is 2.5%, and the current three-year interest rate is 3.0%. He wants to calculate the one-year forward rate starting in one year to understand the market's expectation for rates next year.

What is the one-year forward rate beginning in one year?