Rene is a 28-year-old occupational therapist living in the Annex district of Toronto. She recently graduated from the University of Toronto and now works as an independent contractor assessing the legitimacy of claims made by car accident victims. Like many students, Rene accumulated a large student debt during her years at university and plans to pay it off within the next five years.

Cash Flow Statement For the Year Just Ended
Income
Professional billings	$	61,205
Less: Professional expenses and taxes		(25,390	)
Professional income net of expenses and taxes				$	35,815
Dividends (after taxes)					280
Total Income				$	36,095
Fixed Expenses
Rent					11,100
Student loan payments					4,400
Total Fixed Expenses				$	15,500
Variable Expenses
Utilities, personal, food, clothing, and dental			$	14,285
Moving expenses					375
Credit card interest					1,160
Recreation/entertainment					2,040
Vacations					6,350
Total Variable Expenses				$	24,210
Total Expenses				$	39,710
Surplus/(Deficit)				($	3,615	)

Personal Balance Sheet as of Today
Assets
Liquid Assets
Bank account	$	1,690
Personal Possessions	$	11,780
Investment Assets
BCE Shares	$	4,525
Total Assets	$	17,995
Liabilities
Current Liabilities
Credit card balances	$	9,355
Long-Term Liabilities
Student loan		22,080
Total Liabilities	$	31,435
Net Worth	($	13,440	)

Using Renes financial statements, compute the following ratios:

Debt ratio
Current ratio
Liquidity ratio		months