Prime-rate lending: Suppose two firms want to borrow money from a bank for a period of one year. Firm A has excellent credit, whereas Firm B’s credit standing is such that it would pay prime + 2 percent. The current prime rate is 6.75 percent, the 30-year Treasury bond yield is 4.35 percent, the 3-month Treasury bill yield is 3.54 percent, and the 10-year Treasury note yield is 4.22 percent. What are the appropriate loan rates for each firm?