Which of the following combinations of two ratios would be considered to have the highest probability of being viewed favorably by banks in a loan application

	a.	90% loan to value ratio and 40% debt to income ratio
	b.	60% loan to value ratio and a 20% debt to income ratio
	c.	90% loan to value ratio and 20% debt to income ratio
	d.	60% loan to value ratio and 40% debt to income ratio
	e.	100% default ratio on previous loans and a zero current income to proposed loan payment ratio