Samantha Knight is applying for a small business loan. She provides the bank with the following information: cash in checking accounts, $5000; cash in savings, $10350; home market value, $145500; first mortgage on house, $25000; home equity loan limit $70000; home equity loan, $10000; automobile market value, $19000; automobile loan outstanding, $15000; credit card debt, $1500.

a. Calculate the debt-to-asset ratio.

b. Calculate the debt-to-equity ratio.

c. What percentage of Samantha's assets are owned by others?