Assume that the money market account (MMDA) has a reserve requirement of 0%, a deposit insurance cost of 0.23%, an interest rate of 8%, and a service fee of 2.5%, calculate the marginal cost of a money market account. Bank Negotiable Payment Order Accounts (NOWs) have an interest rate of 5.5%, a reserve requirement of 10%, a deposit insurance cost of 0.23%, and a service charge of 4%. If a customer transfers deposits from MMDA to NOWs, does the cost of bank liabilities increase or decrease?