Anаlyze/evаluаte the fоllоwing FSR’s tо answer questions 1-3 : Net Cash Flow Negative ($500/month)Mortgage Debt Service Ratio 40% of Gross IncomeTotal Debt Service Payment Ratio 55% of Gross IncomeSavings Ratio 1% of Gross IncomeCash Emergency Fund 1 month of living expenses & debt payments 1. Are there any ratios that need addressing/correcting? 2. How is this borrower managing their finances? 3. Which 2 financial standing ratios are the most important to correct and why?