Andrea comes to see you for a $15,000 loan. The payments will be $320. She rents for $750. Her insurance is $200. She has a credit card with a $5000 limit and $75 payment, and a credit line with a $5000 limit and payment of $150. She earns $40,000. Her income taxes are $7,500, CPP & EI are $2800. What are her TDS/GDS? Based solely upon them, would Andrea get the loan? What is her debt payments to income ratio? Is it reasonable?