Your sister Chris and her boyfriend Doug recently announced plans to be married after graduation in May. Although you are extremely fond of both of them and want their relationship to succeed, you are concerned about their financial future. Neither Chris nor Doug completed a personal finance course while in school. Chris is a spender who has known few limits on her wants since she was a teenager. Doug, on the other hand, has worked, saved, and invested since he was a teenager to help provide for his post-secondary education. He will complete school with approximately $12 600 in student loans. But their income the first year out of school will total $90 000, in large part because of Doug’s choice of major and practical work experience during school. Chris, who admits to having no financial skill or interest, is content to let Doug handle all those matters because he seems to be good at it and will always earn more than she does. Why is it dangerous for Chris to assume that Doug will always be there to take care of her? Identify three essential actions that Chris should take to ensure her financial future. Help Chris and Doug consider the issues of joint or separate chequing accounts and credit cards. Why are these important issues to resolve before the marriage?