For the year ended December 31, 2010, Ebanks, Inc., earned an ROI of 12%. Sales for the year were $96 million, and average asset turnover was 2.4. Average owners' equity was $32 million. Calculate Ebanks, Inc.'s margin and net income. (Round your answers to 1 decimal place. Enter your dollar amount in millions. Omit the "$" and "%" signs in your response.) Margin % = Net income = Calculate Ebanks, Inc.'s return on equity. (Omit the "%" sign in your response.) ROE %=