Beverly Smitham is evaluating her debt safety ratio. Her monthly take-home pay is $4,320. Each month, she pays $380 for an auto loan, $120 on a personal line of credit, $60 on a department store charge card, $85 on her bank credit card, $280 on her student loan, and $592 on her home mortgage. What is her debt safety ratio? Given her current take-home pay, what is the maximum amount of monthly debt payments that Beverly can have if she wants her debt safety ratio to be 15%? Given her current monthly debt payment load, what would Beverly's take-home pay have to be if she wanted a 15% debt safety ratio?