The balance sheet of Key Bank (KB) has the following items (all amounts are in SMM). 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 $0, and Equity Capital =$100. What is the impact over the next year on KB's net interest income if interest rates decrease by 75 basis points? A. $0.5 million B. $0.0375 million C. $2.75 million D. $1.35 million