6. If the debt-to-equity ratio is .45, what is the capital structure (Hint: compute the debt ratio and the equity ratio)? (6 points) 7. Suppose you will deposit $16,000 per year in a bank account for 20 years and increase the annual deposit by 5% each year. How much will you be able to withdraw in 20 years if the discount rate is 12%? Assume the first deposit will be made at the beginning of the year. (7 points)