nancy has a gross incime of $48,000, disposable income of $40,000 and discretionary income of $6000 and she saves $8000 a yea. what is her savings ratio

Nancy has a gross income of $48,000, disposable income of $40,000 and discretionary income of S6000, and she saves $8000 a year. Her savings ratio is O A. 15 percent OB. 20 percent OC 18 percent OD. 17 percent