The following quote from the Wall St. Journal discusses one of the 5 components of the nominal interest rate. Which one does it refer to?

It might be a totally different story if there were a lot of loan demand, giving banks a place they would much rather put their cash. Banks most profitable assets tend to be floating-rate loans, like credit cards and corporate loans. But demand for borrowing from Americas consumers and businesses remains tepid. For example, card issuers balances in January were about 85% of what they were in December 2019, according to analysts at Wolfe Research. JPMorgan Chase this week actually lowered its 2021 net interest income expectation slightly from when it last gave a forecast, which analysts widely attributed in part to card balances being paid down.

Select one:

a. r*

b. EIP

c. DRP

d. LP

e. MRP