Jacky and Betty, a couple at early 40 s with two children, appoint you as their financial planner. Below are the financial information provided by them for the month or as at 30 September 2023. Required: (a) Compute the total liquid assets, total real estate, total personal possessions, total investment assets, total liabilities, and net worth. (12 marks) (b) Calculate, interpret and evaluate the liquidity ratio of Jacky and Betty. Suggest TWO ways to improve the liquidity ratio of Jacky and Betty. (Word limit: 100) (8 marks) (c) Jacky and Betty are now at early 40s. They believe it's too early to begin considering retirement planning. Do you agree? Explain your reasoning in terms of the long-term benefits of investing. (Word limit: 50)