(1) Gap analysis is used to measure the direct effect of interest rate changes on bank earnings. Suppose that the interest rate has risen. If the amount of variable-rate assets of a bank is greater than the amount of variable-rate liabilities, will the net earnings of the bank increase or decrease? If the amount of variable-rate liabilities of a bank is greater than the amount of variable-rate assets, will the net earnings of the bank increase or decrease? (2) Explain the duration of a security. (3) How is the duration of a security different from the maturity of a security?