Consider the following data (in millions) from Trident Financial Inc., which has two main divisions, mortgage loans and consumer loans:

	Mortgage Loans			Consumer Loans
Average total assets	$	2,700		$	17,250
Operating income	$	540		$	2,070
Return on investment (ROI)		20.00	%		12.00	%

Required:

1. Based on ROI, which division is more successful?

• Mortgage loan or Consumer loans

2. Trident uses residual income (RI) as a measure of the financial performance of its divisions. What is the RI for each division if the minimum desired rate of return is (a) 10%, (b) 15%, and (c) 20%? (Leave no cells blank. Enter "0" wherever required. Negative amounts should be indicated by a minus sign. Enter your answers in millions of dollars, rounded to nearest whole number.)