Predict the product(s) for the following reaction. 
Definitions:
Optimum
The most favorable condition or level for growth, reproduction, or success.
Holding Cash
The act of retaining liquid currency or cash equivalents by individuals or firms as a part of their financial strategy, to cover expenses or for speculative purposes.
Interest Rate
The percentage charged or paid for the use of money on a loan or investment, typically expressed as an annual percentage rate (APR).
Miller-Orr Model
A financial management model used to determine the optimal level of cash balance a company should maintain, considering the costs of cash management and the variability of cash flows.
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