(B) Assume that American First Bank (AFB) has more rate-sensitive assets (in terms of dollars) than rate-sensitive liabilities. : Would AFB be more likely to be adversely affected by an increase or a decrease in interest rates? Explain why. Hint: Your answer should be in terms of how AFBs interest revenues and interest expenses will be affected given this scenario. : Should AFB purchase or sell interest rate futures contracts in order to hedge its exposure? Explain. : Would a long hedge be more appropriate than a short hedge for AFB? Why or why not?