A $3 million loan paying annual interest at a 5% rate has been classified as Stage 3 by the lender. Expected credit losses over the next 12 months are $80,000. However, expected credit losses over the life of the loan are $1 million. How much net interest income is the lender permitted to record in its income statement in the current year? $100,000 No interest income because the loan is impaired. O $150,000 O $146,000