流动性偏好

def solve(____):
    liquid_hold = min(____)
    illiquid_invest = wealth - liquid_hold
    liquid_cost = liquid_hold * interest_diff
    illiquid_benefit = illiquid_invest * interest_diff
    if liquid_need > wealth:
        penalty_cost = (____) * penalty
    else:
        penalty_cost = ____
    net_benefit = illiquid_benefit - liquid_cost - penalty_cost
    return {"____": liquid_hold, "____": illiquid_invest, "____": round(____)}