$7$ Casev has SI$,000$ to imvest in a certificate of deposit. Her local bank offers her $2\mathrm{.}5\%$ an a twelve motith FDIC ussured CD$.$ A nonfinancial institution offers her $52\%$ off a twelve$-$month CD$.$ What is the risk premium? What else must Casey consider in choosing between the two $C{D}_5?$