Trident Financial has two main divisions, mortgage loans and consumer loans. The mortgage loan division showed a profit of $400 million last year and had total assets of $2 billion. The consumer loans division showed a profit of $2.5 billion last year and had total assets of $20 billion. Based on ROI, which division was more successful? Trident uses residual income (RI) as a measure of financial performance of its divisions, and has a minimum desired rate of return of 10%. Which division is more successful based on residual income? Show your calculations to support your answers.