XYZ has the following financial information for 2018: Sales = $2M, Net Income = $0.4M, Dividends = $0.1M Current Assets = $0.4M, Fixed Assets = $3.6M Current Liabilities = $0.2M, Long-Term Debt = $1M, Common Stock = $2M, Retained Earnings = $0.8M What is the sustainable growth rate? If 2019 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?