Mark and Joan Rosa aged 30 and 28, respectively, have been married for 2 years. They have no children but they are planning to have two kids in 3 years time. Their financial data is as follows:Assets Cash 1000Assets Term Deposit 5000Assets Shares40000Liabilities Margin Lending30000Income Mark75000Income Joan 80000IncomeDividend500Expenses Income tax50000Expenses Rent40000Expenses Transportation 9500Expenses Holiday8000Expenses Food 12000Expenses Medical and Insurance4000Expenses Interest 2400Calculate Rosa's savings ratio