Answer: Implicit
Explanation:
Implicit memory is known to be a type of long term memory which makes an individual to recall or declare memories without knowing. Events which has happened or occurred in the past can be recollected by an individual when he or she is not aware. Implicit memory has a great influence on individual’s behaviour and reasoning. Thus, it makes individuals to behave in certain ways without knowing.
For any business that lends money, the interest rate spread is what the company charges on a loan compared to its cost of money. A bank runs on interest rate spreads, paying a certain rate on savings and CD deposits and making loans at higher rates than it pays to savers.
The answer is all of the above