QUESTION 12 A home owner has 5 percent equity in a home worth $100,000. If house prices fall 5 percent, how does the home owner's equity in the home change? It falls 90%. It falls 5%. It increases 90% It increases 5%. O It increases 100%. O it falls 100% QUESTION 13 In a private-placement agreement, the investment banker makes no guarantee regarding the price the issuing firm will receive, but agrees to sell the securities on a commission basis. True False