Hi Tutor, could you help with the answer below. Examine the below four factors (the cost-plus model) on their relevancy with the current changes in the banking environment. 1. The funding cost is incurred by the bank to raise funds to lend, whether such funds are obtained through customer deposits or through various money markets. 2. The operating costs of servicing the loan, which includes application and payment processing, and the banks wages, salaries, and occupancy expense. 3. A risk premium to compensate the bank for the degree of default risk inherent in the loan request. 4. A profit margin on each loan that provides the bank with an adequate return on its capital.