The balance sheet of Key Bank $($KB$)$ has the following items $($all amounts are in $MM$).$ On the Assets side, it reports: $1-$year Consumer Loans $=$$$140,30-$year Consumer Loans $=$$$125,6-$month T$-$notes $=$$$265,3-$year T$-$bonds$=$ $$180,$ and $30-$year Floating$-$rate Mortgages $($adjusted every year$)=$$$120.$ On the Liabilities and Equity side, it reports: Passbook Savings $=$$$120,3-$month CDs $=$$$280,6-$month CDs $=$$$140,1-$year Time Deposits $=$$$110,5-$year Time Deposits $=$$$80,$ and Equity Capital $=$$$100.$ What is the impact over the next year on KB$\text{'}$s net interest income if interest rates decrease by $75$ basis points? I know the correct answer is $$0\mathrm{.}0375$ million but please show me each step to get this solution!