Pat and Marie have the following expenses and account balances: $ 16,500 Pat's annual 401(k) plan contribution $100,000 Pat's annual salary $ 24,000 Current liabilities $ 2,167 Housing costs (PITI) monthly $ 18,000 Cash & Cash equivalents $ 6,000 Monthly non-discretionary cash flows $ 500 Monthly debt payments other than housing and Pat's employer matches $1 for $1 up to 3% of Pat's salary in his 401(k) plan. Based on the information above, calculate Pat and Marie's emergency fund ratio in months. 3 months 2 months 1 month 0.25 months