Briefly explain whether you agree with the following statements:

1) "A bank that expects interest rates to increase in the future will want to hold more rate-sensitive assets and fewer rate-sensitive liabilities."

2) "A bank that expects interest rates to decrease in the future will want the duration of its assets to be greater than the duration of its liabilities- a positive duration gap."

3) "If a bank manager expects interest rates to fall in the future, the manager should increase the duration of the bank's liabilities."

Please provide a full explanation. Thank you.