XYZ has two divisions: the retail division and the wholesale division. Information on the two divisions for 20X2 is presented below: Operating Income Average operating assets Retail division $6,000,000 $36,000,000 wholesale division $2,500,000 $16,000,000 XYZ is targeting a minimum rate of return for any decision of 15%. Based on this goal, the return on investment (ROI) for the wholesale division is: