Baley Association reports an average asset duration of 7 years, an average liability duration of 3.25 years.  In its latest financial report, the association recorded assets of $1.6 billion and total liabilities of $1.5 billion. If interest rates began at 7 percent and then suddenly climbed to 9 percent, what change will occur in the value of Baley's net worth?    By how much would Baley's net worth change if, instead of rising, interest rates fell from 7 percent to 2 percent?