Bay-bee Daycare Centres Ltd requires funds to meet a short-term deficit that it has identified in its cash budget. It has determined that it will require $480 000 for three or four months. It has approached three banks and obtained the following quotations for bills arranged with a minimum ace value of $100 000. (so $500k would be 5 x BB's). Nat Bank Com Bank Sun Bank TERM 90 days 90 days 90 days YIELD 5.36% 5.40% 4.95% TERM 180 days 180 days 180 days YIELD 5.70% 5.85% 6.00% How much would Bay-bee receive if it borrowed using the bill facilities provided by the banks? What do the banks think is going to happen to interest rates? Which borrowing arrangement would you advise Bay-bee to use?