Montclair Company is considering a project that will require a $620,000 loan. It presently has total liabilities of $160,000 and total assets of $680,000. 1. Compute Montclairs (a) current debt-to-equity ratio and (b) the debt-to-equity ratio assuming it borrows $620,000 to fund the project. 2. If Montclair borrows the funds, does its financing structure become more or less risky