Company A is currently cash-constrained, and must make a decision about whether to delay paying one of its suppliers, or taking out a loan. They owe the supplier $10,081, and they can borrow the money from Bank A, which has offered to lend the firm $10,081 for 1 month(s) at an APR (compounded) of 13%. The bank will require a (no-interest) compensating balance of 8% of the face value of the loan and will charge a $152 loan origination fee, which means Hand-to-Mouth must borrow even more than the $10,081?