Calculate according to the simplified balance sheet of a commercial bank:

（1）If the plan period is 30 days, what is the funding gap? How big is the funding gap in 91 days? 2 years? (Remember: Cash is a non-interest-bearing asset.)

（2）If all interest rates rise by 50 basis points, what will be the effect on net interest income over the next 30 days?

(3). The expected return of funds for the following assets in one year is: $10 million for the 2-year Treasury bill and $20 million for the 8-year Treasury bill. How big is the one-year funding gap?

(4). What will be the effect of a 50 basis point increase in interest rates on year-end net interest income if capital flows return as expected?