Mary and Marty are interested in obtaining a home equity loan. They purchased their house five years ago for $125,000 and it now has a market value of $156,000. Originally, Mary and Marty paid $25,000 down on the house and took out a $100,000 mortgage. The current balance on their mortgage is $72,000. The bank uses 70% of equity in determining the credit limit. What will their credit limit be if the bank bases their credit limit on equity invested and will loan them 70% of the equity?