Liquid assets: $9,000; home value: $230,000; monthly mortgage payment: $1,250; investment assets: $70,000; personal property: $20,000; total assets: $329,000; short-term debt: $6,000 ($500 a month); long-term debt: $170,000 ($2,100 a month); total debt: $176,000; monthly gross income: $11,000; monthly disposable income: $6,500; monthly expenses: $5,000. Calculate the ratios below.