; and (ii) will be adjusted, as determined by the Secretary, every quarter to take account of changes in the interest rate of the benchmark financial instrument. (8) The Secretary may not make any loan or loan guarantee under this section unless— (A) fees or premiums on the loan or loan guarantee and corresponding insurance coverage will be set at levels that minimize the cost to the Government (as defined in section 502(5) of the Federal Credit Reform Act of 1990) of insuring such loan or loan guarantee, while supporting achievement of increasing the inpatient psychiatric and substance abuse bed count, as applicable, to enhance the public’s access to acute inpatient mental health and substance abuse services; (B) the minimum guarantee fee or insurance premium imposed by the Government will be no less than the level sufficient to cover all of the estimated costs to the Government of the expected default claims, plus one percent; and (C) loan guarantee fees imposed by the Government will be reviewed every six months to ensure that the fees imposed on new loan guarantees are at a level sufficient to satisfy subparagraph (B) based on the most recent estimates of such costs. (9) The provisions of any loan guarantee under this section shall state that the guarantee is conclusive evidence that— (A) the guarantee has been properly obtained; (B) the underlying loan qualified for the guarantee; and (C) except in the case of fraud or material misrepresentation by the holder of the loan, the guarantee will be presumed to be valid, legal, and enforceable. (10) The Secretary may not make any loan or loan guarantee under this section unless— (A) the borrower finances at least 25 percent of the funded project from other sources