Last year Rosenberg Inc. had $225,000 of assets, $48,775 of EBIT, and a debt-to-total-assets ratio of 32%. Now suppose the new CFO convinces the president to increase the debt ratio to 48%. Sales and total assets will not be affected, but interest expenses would increase. The interest rate on the firms debt was 7.5%, and the tax rate was 35%. Assume that the interest rate and tax rate would both remain constant. By how much would the change in the capital structure improve the ROE?