Model tweaks

Hi guys, thanks for developing this nice model. Here are some tweaks. 
Nice chatting with you Jarod :)
We chose 5% since it represents a 10 year average of the bond rate. We opted to chose this over the current bond rate of 3.78% since it's uncharacteristically low at the moment. I'm not sure what the best option is here, I'll have to talk to Jarod.