Consider the following data $($in millions$)$ from Trident Financial Incorporated, which has two main divisions, mortgage loans and consumer loans:

Mortgage Loans Consumer Loans

Average total assets $ $1,000$ $ $15,000$

Operating income $ $204$ $ $1,875$

Return on investment $($ROI$)20\mathrm{.}40\%12\mathrm{.}50\%$

Required:

$1.$ Based on ROI, which division is more successful?

multiple choice

Mortgage loans

Consumer loans

$2.$ Trident uses residual income $($RI$)$ as a measure of the financial performance of its divisions. What is the RI for each division if the minimum desired rate of return is $($a$)10\%,($b$)15\%,$ and $($c$)20\%?($Leave no cells blank. Negative amounts should be indicated by a minus sign. Enter your answers in millions.$)$