The balance sheet of ARGH Insurance shows the following fixed and rate-sensitive assets and liabilities. Assets Rate Sensitive Fixed Rate Non-earning Amount Rate $35,000,000 10% Rate Liabilities Amount $21,000,000 9% $ 4,000,000 Rate $40,000,000 8% Sensitive Fixed Rate Equity What will be the FI's net interest income at year-end if interest rates do not change? $12,000,000 7% $ 8,000,000