A bank is planning to make a loan of $$5,000,000$ to a firm in the steel industry. It expects to charge an up$-$front fee of $1\mathrm{.}5\%$ and a servicing fee of $0\mathrm{.}5\%.$ The loan has a maturity of $8$ years, and a duration of $7\mathrm{.}5$ years. The cost of funds $($and the RAROC benchmark$)$ for the bank is $10\%.$ Assume the bank has estimated the risk premium on the steel manufacturing sector to be approximately $4\mathrm{.}2\%,$ based on two years of historical data. The current market interest rate for loans in this sector is $12\%.$ Using the RAROC model, estimate whether the bank should make the loan?