write a one-page memo to your employer Tom Smith that explains how interest rates are determined.

Part I: Read the articles found in the following two links.https://www.bankrate.com/finance/cd/how-interest-rates-are-determined.aspxhttps://www.consumerfinance.gov/about-us/blog/7-factors-determine-your-mortgage-interest-rate/Part II: After you have read the articles, Consult the attached Memo Important Points to Remember document for format requirements for your analysis. To receive credit, you must use proper Memo form.