Jose has applied for a 25-year fixed rate mortgage. Her gross annual income is $132,000. Assume monthly mortgage, heating and property costs of $4,000 and monthly debt charges of $900. Will she qualify for the loan? a) Yes, both the GDS and TDS fall within the norm. b) Yes, as only the GDS is higher than the norm. c) No, as only the TDS is higher than the norm. d) No, both the GDS and TDS exceed the norm