Consider the following balance sheet for WatchoverU Savings Inc. (S in millions): Liabilities Assets NOW accounts (currently 8 % annually) Time deposits (currently 8% annually) Equity $ 81 Floating-rate mortgages (currently 12% annually) 30-year fixed-rate loans (currently 9% annually) 61 61 29 12 $122 Total $122 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 3 percent? (For all requirements, do not round intermediate calculations. Enter your answers in millions rounded to 2 decimal places. (e.g. 32.16)) million Net interest income a b. Net interest income million