Visa Inc. had the following financial data for the year ending September 30, 2023:

• Total Assets: $2 trillion
• Total Liabilities: $500 billion
• Shareholders' Equity: $1.5 trillion

a) Calculate the debt-to-equity ratio. b) Determine the return on assets (ROA), assuming the net income for the year is $120 billion. c) Compute the return on equity (ROE), assuming the net income for the year is $120 billion.