a) According to the Affordability Guidelines presented in the book, if a family has a gross annual income of $72,934 and no other significant debt obligations, how much of their monthly income can be devoted to housing expenses? State your answer in terms of dollars, rounded to the nearest whole dollar, but do not include a $ sign or the word "dollars" with your response.

b)According to the Affordability Guidelines presented in the book, if a family has a gross annual income of $41,976, what should be the maximum amount of a mortgage the family could afford? State your answer in terms of dollars, rounded to the whole dollar, but do not include a $ sign or the word "dollars" with your response.