2. Mary's monthly income and payment pattern for February are as follows: Total income Tax Mortgage Credit card Total expense AAAAA $ $ $ $ $ 45.000 7.200 12.000 9.100 31,770 (b) Calculate Mary's debt safety ratio for February and comment on her debt burden. (6 marks) (c) If Mary wants to reduce her debt safety ratio, what can she do? (4 marks)