Anаlyze/evаluаte the fоllоwing bоrrower’s profile to answer questions 1-2 Occupation: Fireman (H) – Nurse (W)Income: $150,000 annuallyFamily: 3 children (8, 10, 12) Home: $600,000 Fair Market ValueHome Loan: $540,000 = 90% Loan-to-ValueHome Debt Service Ratio 45% Other Debt: $160,000 (3 Cars, Boat, RV)Total Debt Service Ratio 60% Credit Score: 590Credit Card Debt: $25,000 Cash Emergency Fund: $1,000 Budget: Not currently Retirement Savings: LowCollege Savings: None A. Is this borrower managing their finances well? Cite supporting reasons? B. What would you recommend this borrower do to improve their finances?