The best tier is about 30bps over fed funds or libor, doesn't matter in the current environment. I've seen better from major banks. This is on top of the other

The best tier is about 30bps over fed funds or libor, doesn't matter in the current environment. I've seen better from major banks. This is on top of the other downsides that I mentioned. It would be fine if the financing terms were worse, but everything else was better as long as your total costs are lower.