Julian and Julie are meeting with the Bank of Montreal. They know that the bank will be looking at their ratios and they do not feel very confident. A lot is riding on this meeting as it would determine whether they can buy the condo of their dreams or not. Calculate their Total Debt Service (TDS) ratio based on the information provided. - Julian's annual gross salary: $90,000 - Julie's annual gross salary: $91,000 - Monthly mortgage payment: $2,150 - Annual property taxes: $2,400 - Monthly heating: $160 - Annual condo fees $600 - Julian's monthly student loan $70 - Julie's monthly car loan $125 - Monthly furniture loan $30 Select one: a. 35% b. 20% c. 25% d. 22% e. 18%