Using the following data: Cash & Cash Equivalents: $24,000 Current Liabilities: $25,000 Long-term Debt: $275,000 Total Liabilities: $350,000 Investment Assets: $425,000 Total Assets: $1,200,000 Monthly non-discretionary expenses: $12,000 Gross Pay: $180,000 Monthly retirement savings: $1,500 Employer match: 3% of gross pay Monthly mortgage payment: $2,400 Annual Property Insurance: $5,000 Annual Homeowner's Insurance: $7,500 Monthly student loan payment: $400 Monthly auto payment: $350 What is this person's emergency fund ratio