$3.$ Suppose that Seattle Health Plans currently uses zero$-$debt financing. Its operating profit is $$1$ million, and it pays taxes at a $40$ percent rate. It has $$5$ million in assets and, because it is all$-$equity financed, $$5$ million in equity. Suppose the firm is considering replacing half of its equity financing with debt financing that bears an interest rate of $15$ percent. What is the total dollar return to investors, and what is the ROE to stockholders under both scenarios? Is the decision to replace half of its equity financing with debt financing a good decision?