<prompt> Translate the following text to EnglishIngawa tofauti hii ya kiwango inaweza kuonekana ndogo, ikiwa benki zote zililipa riba ya IOLTA kwa asilimia 0.25 tu, mapato ya kila mwaka ya 1 ingekuwa sawa na 0.25 kwa kila benki.  <response>: Although this rate variation may seem minimal, if all the banks paid IOLTA interest at only 0.25 percent, the annual earnings on 1. 