Consider the following balance sheet for Watchover Savings Inc. ($ in millions): Assets Floating-rate mortgages (currently 12% annually) 38-year fixed-rate loans (currently 9% annually) $ 60 69 Liabilities NOW accounts (currently 8% annually) Time deposits (currently 8% annually) Equity $ 89 36 13 $138 Total $138 a. What is WatchoverU's expected net interest income at year-end? b. What will be the net interest income at year-end if interest rates rise by 2 percent? (For all requirements, do not round intermediate calculations. Enter your answers in millions rounded to 2 decimal places. (e.g.. 32.16) a Not interest income b. Net interest income million million