how to calculate regression xc , xh

19. Over the past 10 years, a bank has experienced the following loan losses on its C&I loans, consumer loans, and total loan portfolio. Year C&I Loans Consumer Loans Total Loans 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 0.0080 0.0088 0.0100 0.0120 0.0104 0.0084 0.0072 0.0080 0.0096 0.0144 0.0165 0.0183 0.0210 0.0255 0.0219 0.0174 0.0147 0.0165 0.0201 0.0309 0.0075 0.0085 0.0100 0.0125 0.0105 0.0080 0.0065 0.0075 0.0095 0.0155 a. Using regression analysis on these historical loan losses, the bank has estimated the following: XC =-.-- + ...-XL and Xn ...+ ---XL where Xc = loss rate in the commercial sector, Xh = loss rate in the consumer (household) sector, and XL = loss rate for its total loan portfolio. b. If the bank's total loan loss rates increase to 10 percent, what are the expected loss rate increases in the commercial and consumer sectors