Consider the following balance sheet for WatchoverU Savings Inc. ($ in millions): Assets Liabilities Floating-rate mortgages (currently 12% annually) $ 52 NOW accounts (currently 8% annually) $ 72 30-year fixed-rate loans (currently 9% annually) 52 Time deposits (currently 8% annually) 20 Equity 12 Total $ 104 $ 104 a. What is WatchoverUs expected net interest income at year-end? b. What will be the net interest income at year-end if interest rates rise by 3 percent? (For all requirements, do not round intermediate calculations. Enter your answers in millions rounded to 2 decimal places. (e.g., 32.16))