The borrowing rate in USD is 10 percent (annualized). ABC bank has the capacity to borrow $7.3 million [i.e., $7,300,000]. ABC can use the proceeds to invest in Australian dollars. The lending rate in A$ is 8 percent (annualized) over a 150-day period. The Australian dollar is worth $.7135 and is expected to be worth $.7625 in 150 days. Based on this information, should STS Bank borrow U.S. dollars and invest in Australian dollars? What would be the gain or loss in U.S. dollars? Calculate the break-even spot rate at the end of the investment period as well.