You are interested in obtaining a home equity loan. Your condo was purchased five years ago for $125,000 and now has a market value of $156,000. Originally, you paid $25,000 down on the condo and took out a $100,000 mortgage. The current balance on your mortgage is $72,000. The bank uses 70 percent of equity in determining the credit limit. What will your credit limit be if the bank basis credit limit on equity invested and will loan you 70 percent of the equity?