Assume branch instructions occur 15% of the time and are predicted as not taken, while in practice they are taken 40% of the time with a penalty of 3 cycles. With forwarding, the load delay slot is one cycle and can be filled 60% of the time with useful instructions. 20% of the instructions are loads and 30% of these introduce load delay hazards. What is the New CPI due to load delay slots and branch hazards?