A financial firm plans to borrow $100 million in the money market at a current interest rate of 4.5 percent. However, the borrowing rate will float with market conditions. To protect itself, the firm has purchased an interest-rate cap of 5 percent to cover this borrowing. If money market interest rates on these funds sources suddenly rise to 5.5 percent as the borrowing begins, how much interest in total will the firm owe and how much of an interest rebate will it receive, assuming the borrowing is for only one month?