Suppose two firms want to borrow money from a bank for a period of one year. Firm A has excellent credit, whereas Firm B's credit standing is such that it would pay prime +3 percent. The current prime rate is 6.88 percent, the 30 year Treasury bond yield is 4.39 percent, the three-month Treasury bill yield is 3.45 percent, and the 10 -year Treasury note yield is 4.15 percent. Now suppose that Firm B decides to get a term loan for 10 years. What is the loan rate for the firm? Firm B's loan rate % How does this affect the company's borrowing cost? Company's borrowing cost will