```\n/\*\*\n \* @notice Calculate the utilization rate: `\_borrows / (\_cash + \_borrows - \_reserves)`\n \* @param \_cash Asset balance\n \* @param \_borrows Asset borrows\n \* @param \_reserves Asset reserves\n \* @return Asset utilization [0, 1e18]\n \*/\nfunction utilizationRate(\n    uint256 \_cash,\n    uint256 \_borrows,\n    uint256 \_reserves\n) internal pure returns (uint256) {\n    // Utilization rate is 0 when there are no borrows\n    if (\_borrows == 0) return 0;\n\n    return \_borrows.mul(BASE).div(\_cash.add(\_borrows).sub(\_reserves));\n}\n```\n