In which of the following situations would a firm prefer to borrow from a bank? $$

The bank charges an interest rate of $4$ percent and the expected inflation rate is $1$ percent.

The bank charges an interest rate of $5$ percent and the expected inflation rate is $3$ percent.

The bank charges an interest rate of $10$ percent and the expected inflation rate is $10$ percent.

The bank charges an interest rate of $12$ percent and the expected inflation rate is $14$ percent.

The bank charges an interest rate is $30$ percent and the expected inflation rate is $35$ percent.