Conway Thrift Association reports an average asset duration of 7 years and an average liability duration of 4 years. In its latest financial report, the association recorded total assets of $1.8 billion and total liabilities of $1.5 billion. If interest rates began at 5 percent and then suddenly climbed to 6 percent, what change will occur in the value of Conway’s net worth? By how much would Conway’s net worth change if, instead of rising, interest rates fell from 5 percent to 4.5 percent?