JJ firm has a return on equity of 15 percent, a return on assets of 10 percent, and a 70 percent dividend payout ratio. The maximum growth rate only using internal financing is and that using external financing and maintaining debt ratio is \begin{tabular}{c} \hline 3.09%;4.71% \\ \hline 7.53%;11.73% \\ \hline 4.71%;3.09% \\ \hline 11.73%;7.53% \end{tabular}