Focus Bank's balance sheet is given below (all numbers are in millions of dollars). Rising interest rates are expected to decrease the deposits by $21 million. The average interest earned on 9.7 percent and the average cost of deposits is 8.2 percent. Borrowing more debt will cost the bank 9.2 percent in the short term. The bank intends to keep $25 million in cash to meet its liquidity needs and then compensate any shortfall to fund its loans by burchaiding be the cost of using this strategy to meet the expected decline in deposits? a. $0.3150 million b. $0.0800 million c. $0.3200 million d. $0.1600 million e. $0.2400 million