bank A offers the folowing terms for a $10 million loan; -interest rate 8 percent for one year on funds borrowed -fees: 0.5 percent of the unused balance for the unused term of the loan bank B offers the following terms for a $10 million loan; -interest rate 6.6 percent for one year on funds borrowed -fees: 0.5 percent origination fee which terms are better if the firm intends to borrow the $10 million for the entire year? if the firm plans to use the funds for only three months, which terms are better, why