The following balance sheet information is available (amounts in thousands of dollars and duration in years) for a financial institution:

Amount Duration

T-bills $90 0.50

T-notes 55 0.90

T-bonds 176 x

Loans 2,724 7.00

Deposits 2,092 1.00

Federal funds 238 0.01

Equity 715

What variables are available to the financial institution to immunize the balance sheet? How much would each variable need to change to get DGAP equal to 0?