You opened a new bank. You set the interest rates to $4\%$ a year, which is higher than your competitors and slightly lower than the $5\%$ you can earn by investing the money in short$-$term government bonds. You got a lot of deposits. Now there are many small businesses that want to borrow from you, and they are willing to pay you $10\%$ for a loan term of $5$ years. Should you do it$?$ What are the pros and cons?