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.
-The expected return on your of your investment is closest to:

A) 18%
B) 20%
C) 12%
D) 24%