21. (4 points) A company with $20 million in assets has a debt to equity ratio of 1.00 and a retention ratio of 0.40. Its Internal Growth Rate is 6.38% and its Internal Growth rate of 13.64%. What is this company's net income (rounded up to the nearest million)? 22. (4 points) How much would a $15 million asset company have to have in total debt if it grew by 20% and wanted to keep a debt to ratio of: a. 50% b. 75% 23. (4 points) In words, describe what a company can do if it grows at a rate between its internal growth rate and sustainable growth rate and wants to maintain its debt to equity ratio