The regulator has read an article that has recently been published in the Journal of Finance. The article claims that the relationship between credit supply and competition between banks is non- linear. The regulator has therefore estimated a new model and obtained the following estimates loans; = 2.4 + 1.7banks - 0.15banks;2. What is the turning point in the relationship between the number of banks operating in a state and loans? 5.8 0 4.8 0 5.7 4.9 None of the above