<prompt> Human: I have a decent credit score, which allows me to lend from Lending Club at an APR of 6.78. I am routinely getting 10-13 in APY for the past couple of years, and I feel fairly confident that I could at least manage getting 7 return.My question is: What would the pros and cons be of borrowing money at around 7 APR and then investing all of that borrowed money into my lending account where I have historically been getting upwards of 13 APY?I know that past experience does not dictate future performance. I do realize that this holds some risk. Just looking for some of your advice.Thanks!  <response>: What would the pros and cons be of borrowing money at around 7 APR and then investing all of that borrowed money into my lending account where I have historically been getting upwards of 13 APY?Pros: 13 7Cons: Past performance is not indicative of future returns. 