You are given the following interest rate tree. Use it when required in the
exercises. 
-What advantage does the Black-Derman-Toy model have over the Ho-Lee model, when comparing the plausibility of the modeled interest rates?
Definitions:
B Cells
A type of white blood cell that is vital for antibody production, differentiating into plasma cells that produce antibodies.
T Cells
A type of lymphocyte involved in the immune response, playing critical roles in identifying and killing infected cells or cancer cells.
Adaptive Defense Mechanism
A component of the immune system that evolves its response to specific pathogens through memory of previous encounters, enhancing protection upon subsequent exposures.
Stomach Acids
The digestive fluids secreted by the stomach's lining, containing hydrochloric acid and digestive enzymes, crucial for breaking down food.
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