What this does
This plug computes an annualized Morpho borrow APR from a per-second borrow rate. It asks the caller to supply borrow_rate_per_second at execution time. It fires on demand, multiplying that rate by the number of seconds in one year (365 days) and returning the product as borrow_apr. Computing the annualization by hand risks arithmetic errors or using a stale per-second rate, producing an APR that misstates current borrowing cost.
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