Wells Fargo has decided to assess its interest rate risk by applying regression analysis.In a regression of the bank's stock returnwith aninterest 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.

adversely; rising

not; rising

favorably; rising

favorably; declining