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An investor puts up $5,000 and borrows an equal amount of money from his broker to double the amount invested to $10,000. The broker charges

An investor puts up $5,000 and borrows an equal amount of money from his broker to double the amount invested to $10,000. The broker charges 5% on the loan. The stock was originally purchased at $20 per share, and in 1 year the investor sells the stock for $25. The investor's rate of return was ____.
45%
40%
25%
12%

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