If the return of loans is 8%, the risk-free rate is 4% and the recovery rate is 90%. The repayment rate, the risk premium before considering recover and after considering recover are: a. 96.00%, 4%, 0.78% b. 93.26%, 5%, 39% c. 96.00%, 10%, 3.9% d. 96.30%, 4%, 0.39% e. 96.30%, 5%, 7.8%