Consider the following balance sheet for Watchover Savings, Inc. (in millions): Assets Liabilities and Equity Floating-rate mortgages (currently 10% annually) $70 (currently 6% annually) $70 30-year floating-rate loans repriced every two years 3-year floating time deposits repriced yearly (currently 7% annually) $50 (currently 7% annually) $20 Equity $30 Total assets $120 Total liabilities & equity $120 What is WatchoverU's expected net interest income at year-end