2-4 What effect do you think each of the following factors should have on the interest rate that a firm must pay on a new issue of long-term debe? Indicate whether each factor would tend to raise, lower, or have an indeterminate effect on the interest rate, and then explain why. a. The firm uses bonds rather than a term loan. b. The firm uses debentures rather than first mortgage bonds. c. The firm makes its bonds convertible into common stock. d. If the firm takes its debestures subordinate to its bank deht, what will the effect be