Wells Fargo has decided to assess its interest rate risk by applying regression analysis. In a regression of the bank's stock return with an interest rate proxy and the Wilshire 5000 index (as a market return proxy) serving as independent variables, a positive and significant coefficient for the interest rate variable was estimated suggesting that the bank's performance is _______ affected by _______ interest rates.

favorably; rising

favorably; declining

not; rising

adversely; rising