Given the following, what is Meredith's savings ratio? Gross income $105,000; Home $450,000; Mortgage $360,000; Stock portfolio $65,000; Disposable income $75,000; Bank accounts $16,000; Credit card balances $2,000; Automobile $30,000; Automobile loan $20,000; Total expenses $70,000; Home-related expenses $20,000. a) 20.0% b) 5.2% c) 6.7% d) 21.3% e) 4.7%