David and Samantha have the following expenses and account balances: $15,000 David's annual 401k plan contribution David's annual salary Current liabilities Housing costs (P&I&T&l) monthly Cash and cash equivalents Monthly non-discretionary cash flows Monthly debt payments other than housing $150,000 $36,000 $3,000 $20,000 $8,000 $750 David's employer matches $1 for $1 up to 3% of David's salary in his 401k plan. Based on the information above, calculate David and Samantha's emergency fund ratio in months. O 3 months 0 2.5 months 0 1 month O 2 months Maryanne owns a house and a car. She has homeowners insurance, but does not have disability insurance. She would like to look into it. Which of the following are important elements of a disability policy? O Definition of disability Coverage for sickness and accidents Definition of disability, coverage for sickness and accidents, and the elimination period. O The elimination period