Consider the following balance sheet for WatchoverU Savings Incorporated ($ in millions): Assets Liabilities Floating-rate mortgages (currently 12% annually) $ 63 NOW accounts (currently 8% annually) $ 83 30-year fixed-rate loans (currently 9% annually) 63 Time deposits (currently 8% annually) 26 Equity 17 Total $ 126 $ 126 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 1 percent?