29. HIM Inc. has the following borrowing rates: :* Financing Method Annual Interest rate Borrow from the 15% bank Issue long-term debt 12% If HIM's tax rate is 35%, what is the after-tax equivalent borrowing rate for each of these financing options? O a. 5.25%; 4.20% Ob.5.25%; 7.80% Oc. 9.75%; 4.20% Od. 9.75%; 7.80%