Hey guys, can I get some help with the following questions?

21. What type of system allows a customer's bank to periodically transfer funds from its account to a selling firm's bank account for payment of bills? a. Disbursement agreement b. Preauthorized debit system c. Lockbox agreement d. Concentration banking system e. Zero-balance account 22. The next year's net income of Byron Corporation is projected to be $21,000, and its payout ratio is 30 percent. Its target capital structure is 40 percent debt and 60 percent common equity What is the retained earnings break point? a. $35,000 b. $24,500 c. $6,300 d. $12,600 e. $8,400 23. Which of the following mathematical expressions is used to compute the degree of financial leverage at a particular level of earnings before interest and tax (EBIT)? Assume that the preferred stockholders receive no dividends. a. Earnings before interest and tax Earnings per share (EPS) b. Gross profit Earnings before interest and tax c. Sales +(Earnings before interest and tax - Interest) d. Earnings before interest and tax+ (Earnings before interest and tax Interest) e. (Earnings before interest and tax Interest Taxes) Number of shares 24. A report showing how long accounts receivable have been outstanding is called a. a time line b. a preauthorized debit system c. an aging schedule d. an account tracker e. a credit document