Review the financial statements of Victor and Maria Hernandez (Tables 2.3 and 2.5), and respond to the following questions:

(a) Using the data in the Hernandez's balance sheet, calculate an investment-assets-to-net-worth ratio. How would you interpret the ratio? The Hernandez family appears to have too few monetary assets compared with tangible and investment assets. How would you suggest that they remedy that situation over the next few years?