```\n    function getRateFactor() internal view returns (uint) {\n        return (block.timestamp == lastUpdated) ?\n            0 :\n            ((block.timestamp - lastUpdated)*1e18)\n            .mulWadUp(\n                rateModel.getBorrowRatePerSecond(\n                    asset.balanceOf(address(this)),\n                    borrows\n                )\n            );\n    }\n```\n