Company A is an AAA-rated firm desiring to issue five-year FRNs. It finds that it can issue FRNs at six-month LIBOR+.15% or at three-month LIBOR+.15% percent. Given its asset structure, three-month LIBOR is the preferred index. Company B is an A-rated firm that also desires to issue five-year FRNs. It finds it can issue at six-month LIBOR+1.0% or at three-month LIBOR+.65%. Given its asset structure, six-month LIBOR is the preferred index. Assume a notional principal of $15,000,000. The quality spread differential (QSD) in basis points is