Emma is purchasing a home for $575,000. She has a down payment of $35,000. The balance will be in the form of a loan and a mortgage. The loan is with her parents in the amount of $200,000 with 1.5% interest. Her parents would like to be repaid within 10 years. The remainder will be a mortgage with the bank at 4.7%, amortized over 25 years. Emma has just read an article advising that ones mortgage comprise no more than 30% of net earnings. The bank approved her mortgage on the basis that she had a total of $235,000 to put towards the purchase (her down payment plus the $200,000 from her parents) . The bank is not privy to her arrangements with her parents. Nonetheless, her biweekly mortgage payments are the sum of the two. How much would her annual net earnings need to be during the first 10 years of home ownership to meet the minimum threshold of 30%?