need help with these 2 questions

If in 2012 Luther has 10.2 million shares outstanding and these shares are trading at $16 per share, then calculate Luther's market-to-book ratio. Q3. Who reads financial statements? List at least three different categories of people, provide an example of the type of information they might be interested in and why? 3 marks Q4. Your brother has offered to give you either $5000 today or $10,000 in 10 years. If the interest rate is 7% per year, which option is preferable? 5 marks