Use the following information to answer the next two questions: Exactly 11 years ago, you purchased a $432,000 house using an 80% LTV FRM over 30 years (monthly payments) at 4.5%. Current market rates have risen to 8.25%. 4 pts D Question 13 If the lender offers to forgive $25,000 of your outstanding balance, what would be your rate of return? O 3.27% 4.5% 5.72% 6.38% O 7.65% Question 14 4 pts If you wish to earn roughly a market rate of return, what amount should you ask them to forgive instead? $40,000 $50.000 $60,000 O $70,000 O $80,000 U