Based on the following information for Mr. and Mrs. Smith, their solvency ratio should be ? HK$ Annual income 600,000 Annual bonus 28,000 Household and personal 450,000 expenses Personal property 99,000 Interest and dividend income 24,000 Stocks 100,000 Bank deposits 550,000 Credit card and personal loan 91,000 O a. 0.88. O b. 4.58. O c. 0.15. O d. 8.23