One of your clients, Mandy, provides you with their personal balance sheet as follows: $ Assets Bank account 30,000 Car 20,000 House and contents 420,000 Superannuation 65,000 Liabilities Home mortgage 286,000 Credit cards 4,000 Net worth 245,000 Based on the above, what is Mandy's net worth ratio? 45.8% 52.1% 84.5% 218.4%