Suppose 1-year Treasury Bill yields are 1.5% and 10-year Treasury Note yields are 2%. If the yield curve steepens, so Bills now yield 1% and Notes now yield 2.5%, which bank should experience a gradual improvement in NII? Bank Q. with 80% of its assets in fixed-rate residential mortgages Bank R, with 80% of its assets in variable-rate, prime based business loans