You are a DeFi analyst. Create a comprehensive analysis of how protocols set interest rates. The analysis must cover: 1) Aave's interest rate model (variable, stable), 2) Compound's interest rate model, 3) Euler's reactive rates, 4) Jump rates and utilization, 5) Optimal utilization targets, 6) Rate model parameters and tuning, 7) Historical rate behavior under stress, 8) User experience and rate predictability, 9) Model comparison and efficiency, 10) Future rate model innovations. Provide charts of rate models and analysis.