Question 1 Suppose that an analyst has noticed that the return on equity of the Johnson and Smith Company has declined from 2019 to 2020. Using the DuPont formula, explain the source of this decline. (millions) 1012 M Sales $1,000 $900 Earnings before interest and taxes $400 $380 Interest expense $30 $30 Taxes $100 $90 Total assets $2,000 $2,000 Shareholders' equity $1,250 $1,000 Question 2 You have just signed the contract on your rst coop apartment in NYC priced at $595,000. Your bank agreed to loan you money for the 80% of the price of the apartment if you put 20% down payment. You decide to take a 15-year mortgage with quoted APR of 3%. What is your monthly payment