optimise lending rates

"we are exploring ways to change lending fees parameters to icrease competitiveness
an example of how we need to be able to change parameters to get different lending fees
lenders pour liquidity into a loanToken and depending on base rate, utility rate, kink level etc. (keywords to search) the borrower will pay lending fees which we need to be attractive for the lenders
https://docs.google.com/spreadsheets/d/18I2dn77k_P3JSZ8_9u0oR5mI3RCUSO25MNdo3SxdCYo/edit?usp=sharing
the file above gives an idea of how it should work to change params and get different curves
what we need to do is to set correspondence between variables and algorithms in the code and the formulas in the sheet to see what and how needs to be changed in the params of the protocol to get the same result as in the file"