How much would a person save by borrowing money at 6 percent for a home equity loan then 18 percent for a credit card loan? Dorothy has the following projected cash flows: income, $65,000; fixed operating cost excluding interest, $44,000; variable outlays, $7,000; interest cost, $5,000; and repayment of debt, $6,000. Does Dorothy have high operating leverage? Calculate what a 15 percent higher and 15 percent lower income outcome would do to profitability