The Global Community Bank, under terms of its long-term banking agreement with the company, has agreed to lend the company additional monies should you elect to use debt to help finance growth and other financial needs; the interest rate the GCB will charge on such loans is tied to the term of the loan (1-year, 5-years, 10-years) and also to how much the company has already borrowed against its ongoing $50 million line of credit with the GCB and its prior-year net profit margin. the company's current credit rating and its prior-year net profit margin. the company's operating profit margins and net profit margins for the past two years and its debt-assets ratio. the company's current credit rating and going interest rates in world financial markets. how many consecutive years the company has been profitable, its interest coverage ratio, and its ROE over the past two years.