3. (15 points) Bank A has the following balance sheet. Suppose the average duration of its assets is 3 years and the average duration of its liabilities is 5 years. Assets Liabilities Rate-sensitive $100 million Rate-sensitive $75 million Fixed-rate 100 million Fixed-rate 125 million If interest rates drop from 12% to 8%, what will happen to Bank A's profits? What will happen to the net worth of Bank A? If you are the manager of Bank A, what can do to keep the bank from being vulnerable to interest rate changes