The Bank of Key West is not going to have enough reserves at the end of the business day to meet its reserve requirement of 10%. It currently has two options to borrow money overnight in order to meet the requirement. First, it could borrow money from the Federal Reserve at a rate of 0.75 % . Second, it could borrow money from other banks at a rate of 0.35 % . What is the federal funds rate, and what is the discount rate