Adobe Inc. had the following financial data for the year ending November 30, 2023:

• Total Assets: $90 billion
• Total Liabilities: $40 billion
• Shareholders' Equity: $50 billion

a) Calculate the debt-to-equity ratio. b) Determine the return on assets (ROA), assuming the net income for the year is $10 billion. c) Compute the return on equity (ROE), assuming the net income for the year is $10 billion.