Consider the following balance sheet for WatchoverU Savings Incorporated ($ in millions): Assets Liabilities Floating-rate mortgages (currently 13% annually) $ 64 NOW accounts (currently 9% annually) $ 84 30-year fixed-rate loans (currently 10% annually) 64 Time deposits (currently 9% annually) 33 Equity 11 Total $ 128 $ 128 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 4 percent? (For all requirements, do not round intermediate calculations. Enter your answers in millions rounded to 2 decimal places. (e.g., 32.16))