Your firm needs to borrow $1.0 million for one year. The firm has no other short term borrowings and it's combined state and federal tax rate is 25%. Your banker offers several lending alternatives. Which one will you choose? Select one: a. 6.50% simple interest with a 20.00% compensating balance b. 8.25% simple interest OG 7.00% simple interest with a 15.00% compensating balance d. 8,25% discount interest