Use the Information for the Question(s) Below

Use the information for the question(s) below.
Suppose you have $10,000 in cash and you decide to borrow another $10,000 at a 6% interest rate to invest in the stock market. You invest the entire $20,000 in an exchange traded fund (ETF) with a 12% expected return and a 20% volatility.
-Assuming that the EFT you invested in returns -10%,then the realized return on your investment is closest to:

A) -20%
B) -10%
C) -24%
D) -26%