Calculating SGR and EFN XYZ has the following financial information for 2012: Sales $2M Net Inc. $0.4M Div $0.1M C.A. $0.4M F.A. $3.6M C.L. $0.2M LTD $1M C.S. $2M R.E $0.8M What is the sustainable growth rate? If 2013 sales are projected to be $2.4M, what is the amount of external financing needed, assuming XYZ is operating at full capacity, and profit margin and payout ratio remain constant?