Suppose two firms want to borrow money from a bank for a period of one year. Firm A has excellent credit, whereas Firm Bs credit standing is such that it would be required to pay prime + 3 percent. The current prime rate is 6.72 percent, the 30-year Treasury bond yield is 4.45 percent, the three-month Treasury bill yield is 3.45 percent, and the 10-year Treasury note yield is 4.15 percent. What are the appropriate loan rates for each firm?