The evaluation done by ............. about the borrower's credit risk or default risk for lenders, which result in a credit score for the borrowers. Select one: O a. Money marketd O b. Capital Markets O c. Banks O d. Credit Rating agencies e. Venture capitals Which among the debt to income ratio is better? Select one: O a. 36% O b. 50% O c. 12% O d. 43% O e. None