getBorrowAPY = function getBorrowAPY(utilizationRate, interestRateSlope1, interestRateSlope2, utilizationRateOptimal) {
let daysPerYear = 365;
let secondsPerDay = 86400;
let secondsPerYear = secondsPerDay * daysPerYear;
let interestRate = getBorrowRate(utilizationRate, interestRateSlope1, interestRateSlope2, utilizationRateOptimal);
let interestRatePerSeconds = interestRate / secondsPerYear;
let APY = (Math.pow((interestRatePerSeconds*secondsPerDay) + 1,daysPerYear) - 1) * 100;
return APY
}