If the repricing gap is negative on a bank's balance sheet, spread (the difference between asset' interest rate and liability) is expected to remain unchanged and the predicted interest rates are expected to rise, can the bank manager do the following? Briefly explain why.

a. Replace fixed-rate loans with rate-sensitive loans.

b. Replace marketable securities with fixed-rate loans.

c. Replace fixed-rate CDs with rate-sensitive CDs.

d. Replace rate-sensitive CDs with fixed-rate CDs.