Based on the information the Gerdings have provided, which of the following statements concerning their finances is not correct? a. The couple's net worth is $1,563,801 b. The couple's debt ratio is much less than the benchmark of 40% which indicates their assets are not substantially financed with borrowed debt. c. The couple has 4 months of living expenses saved in liquid assets to cover emergencies. d. The couple's savings ratio is greater than 10% and is determined by comparing investment assets to total assets