19) Drew's monthly net income is $2,200. What is the maximum he should use on monthly debt payments?

20) Bill and Sally Kaplan have an annual spending plan that amounts to $40 000. If inflation is 4 percent a year for the next three years.

What amount will the Kaplans need for their living expenses three vears from now?

21) Your bank statement shows a balance of $672. Your checkbook register shows a balance of $444. You earned interest of $11 and had a service charge of $9. There are no outstanding deposits. What is the amount of

outstanding checks?