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 $19,086, and they can borrow the money from Bank A, which has offered to lend the firm $19,086 for 2 month(s) at an APR (compounded) of 17%. The bank will require a (no-interest) compensating balance of 5% of the face value of the loan and will charge a $170 loan origination fee, which means Hand-to-Mouth must borrow even more than the $19,086?