Brenda plans to reduce her spending by $60 a month. What would be the future value of this reduced spending over the next 13 years? (Assume an annual deposit to her savings account and an annual interest rate of 5 percent) Use Exhibit 1-8. (Round FVA factor to 3 decimal places and final answer to 2 decimal places.) Future value Kara George received a $20,000 gift for graduation from her uncle. If she deposits this in an account paying 5 percent, what will be the value of this gift in 11 years? Use Exhibit 1-A. (Round FV factor to 3 decimal places and final answer to the nearest whole dollar.) Future value The Fram family has liabilities of $136,000 and a net worth of $348,000. What is their debt ratio? (Round your answer to 3 decimal places.) Answer is complete but not entirely correct. Debt ratio 0.281 X Using the following balance sheet items and amounts, calculate the total liquid assets and total current liabilities: Money market account Mortgage Retirement account $ 2,900 Medical bills $ 164,000 Checking account $ 89,800 Credit card balance $ 310 $ 840 $ 549 Answer is complete but not entirely correct. $ a. Total liquid assets Total current liabilities 93,540 549 X $ b