Given the marginal cost estimates associated with obtaining additional interest-checking account funding in the table below, what is the estimated marginal cost of obtaining additional interest-checking balances? [Please respond in percent without the "%" sign at the end - e.g. if the answer is 12.35%, just respond with 12.35.] Market interest rate Servicing costs (as % of balance) Acquisition costs (as % of balance) Deposit insurance costs (as % of balance) Required reserves Float 3.46% 4.13% 0.46% 0.42% 10.00% 3.03%