Consider the following balance sheet for Watchover Savings Inc. ($ in millions): Assets Floating-rate mortgages (currently 13% annually) 30-year fixed-rate loans (currently 10% annually) $ 70 70 Liabilities NOW accounts (currently 9% annually) Time deposits (currently 9% annually) Equity $ 90 32 18 $ 140 Total $140 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 1 percent? (For all requirements, do not round intermediate calculations. Enter your answers in millions rounded to 2 decimal places. (e.g., 32.16)) a. Net interest income $ 5.12 million million b. Net interest income