What interest rate would make it worthwhile to incur a compensating balance of $$12,000$ in order to get a $0\mathrm{.}65-$percent lower interest rate on a $2-$year, pure discount loan of $$195,000?$

A$.$What interest rate would make it worthwhile to incur a compensating balance of $$7,500$ in order to get a $0\mathrm{.}65-$percent lower interest rate on a $2-$year, pure discount loan of $$150,000?$

B$.$ Is it worth incurring the compensating balance to obtain the lower rate?