For a person with a monthly take-home pay of $13,000, and total monthly payments of $2,000; what is the debt safety ratio? Note: Show your answer in units of percents, use plain numbers with at least two digits after the decimal (e.g., for 12.34%, type 12.34). Consider a borrowing of $500,000, with monthly payments to be made over 30 years with a 10% add-on interest. What is the APR? Note: Show your answer in units of percents, use plain numbers with at least two digits after the decimal (e.g., for 12.34%, type 12.34)