<prompt> Translate the following text to EnglishTumehesabu faida kwa kutumia kiwango cha 7 kulingana na dhana ya gharama ya fursa ya mtaji ili kuonyesha thamani ya wakati wa rasilimali zilizopelekwa kukidhi mahitaji ya kisheria.  <response>: We have also calculated benefits using a 7 percent rate consistent with an opportunity cost of capital concept to reflect the time value of resources directed to meet regulatory requirements. 