How much would a swap bank pay or require as compensation for assuming the seller's position on a four-year BBB-rated CDS with a spread of \(2.5 \%\) if current four-year BBB-rated CDS were trading at a spread of \(2 \%\). Assume the appropriate discount rate is \(6 \%, N P\) is \(\$ 100\), and the recovery rate is \(30 \%\). Explain why the value of the swap position changes.