Capital market line with different lending and borrowing rates

Investor has $40,000 and borrows additional $20,000 at 6%.

He invests the entire $60,000 in risky portfolio.

Return on risky portfolio is 12%.

Draw capital allocation line for the investor, equivalently draw the Capital Market Line (CML) with different lending rate (5%) and borrowing rate (6%), and show the approximate point where the indifference curve of the investor is tangent to the CML.