Aria and Naveen have been homeowners for several years. With rising costs and some long-overdue updates needed, they are now planning major home renovations. To help cover the expenses, they are applying for a line of credit. The bank has asked them to submit their financial details. Based on the information provided, what is their Gross Debt Service (GDS) ratio? Aria's annual gross salary: $90,000 Naveen's annual gross salary: $91,000 Monthly mortgage payment: $3,950 Annual property taxes: $4,400 Monthly heating costs: $210 Annual condo fees: $3,200 Aria's monthly personal loan: $170 Naveen's monthly car loan: $425 Arias monthly car loan: $330Select one:0 a. 31.1%O b. 31.8%0 c. 30.9% d. 29.9%0 e. 32.6%