Imagine you have 400 in savings. You need liquidity services, so you deposit the 400 with Gresham Bank, where you earn 2.3% interest. Imagine there is also someone who needs credit services and wants to borrow 300 from Gresham Bank. Gresham Bank lends the 300 and charges 5%. Calculate the cost of financial intermediation provided by Gresham Bank. Briefly describe (in no more than 50 words) what are the consequences of rising costs of financial intermediation