5. Ex-Post Cost of Borrowing. Exhibit 14.2 shows that Deutsche Bank borrowed funds at a nominal cost of 9.59% per annum, but at a later date that debt was selling to yield 7.24%. Near the other extreme, the Kingdom of Thailand borrowed funds at a nominal cost of 8.70% but after the fact found the debt was sold in the market at a yield of 11.87 %. What caused the changes, in this case in opposite directions, and what might management do to benefit (as Deutsche Bank did) rather than suffer (as the Kingdom of Thailand did)?