Steve and Mary, who make RM60,000 every year. They have 25 years and RM100,000 remaining on their 6% mortgage loan (RM7,800 per year), three years and RM20,000 remaining on their 7% auto loan (RM6,120 per year), and two years and RM10,000 remaining on their 3% college loan (RM1,140 per year). Other yearly expenses are: utilities RM660, food - RM18,000 and insurance RM2,280. (i) Compute monthly net cash flow. (4 marks) (ii) Use your answer in part (i), advise Steve and Mary on managing their liquidity. (6 marks)