Mary is your friend who has not taken any financial planning course. Recently she told you that she has a large amount of outstanding credit payments and she does not know what to do. Required: 1. Advise Mary FOUR signs that indicate she may have credit problems. (8 marks) 2. Mary's monthly income and payment pattern for February are as follows: Total income Tax Mortgage Credit card Total expense $ $ $ $ $ 45.000 7.200 12.000 9.100 31,770 (a) Calculate Mary's savings ratio for the month of February. Keep your answers as percentage (%) with two decimal places (4 marks)