Pat and Marie have the following expenses and account balances: Pat's annual 401(k) plan employee contribution $18,000 Pat's annual salary $125,000 Current liabilities $27,000 $2,100 Housing costs (P&I&T&I) monthly Cash & Cash equivalents $19,000 Monthly nondiscretionary cash flows (total) $6,750 Monthly debt payments other than housing $750 * Pat's employer matches $1 for $1 up to 6% of Pat's salary in his 401(k) plan. Based on the information above, calculate Pat and Marie's emergency fund ratio in months