An investor puts up $5,000 but borrows an equal amount of money from his broker to double the amount invested to $10,000. The broker charges 7% on the loan. The stock was originally purchased at $25 per share, and in 1 year the investor sells the stock for $28. During the year, the stock pays out a dividend of $1 per share. Whats the investor's current margin? Whats his rate of return during the year?