Samantha Knight is applying for a small-business loan. She provides the bank with the following information: cash in checking accounts, $5,000; cash in savings, $10,350; home market value, $145,500; first mortgage on house, $25,000; home equity loan limit, $70,000; home equity loan, $10,000; automobile market value, $19,000; automobile loan outstanding, $15,000; credit card debt, $1,500.

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