It has been my experience that you don't get the same interest rate for borrowing versus saving - hence banks make money. Does ESPlanner use the same interest rate for negative regular assets (i.e. borrowing money) and positive regular assets (i.e. money in a bank account)? Is this interest rate set by "Assumptions/Nominal RoR/Regular Assets"? If rate is the same for borrowing and saving, then how can I indicate/set a difference? If rate is not the same, explain how ESPlanner accounts for this and how I need to set inputs.