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What does the loan policy define for debt-to-income ratios? a. options for determining debt and a standard for determining income b. a standard for evaluating

What does the loan policy define for debt-to-income ratios? 

a. options for determining debt and a standard for determining income 

b. a standard for evaluating both debt and income 

c. a standard for determining debt and options for determining income 

d. options for evaluating both debt and income

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