Sabina makes $2,000 per month. she spends $300 on credit card payments and $450 on an auto loan. does she have excessive debt?

yes, because her debt-to-income ratio is higher than 36 percent.
no, because her debt-to-income ratio is lower than 36 percent.
no, because her debt-to income ratio lower than 42 percent.
yes, because her debt-to-income ratio is 50 percent.

Bob, an employee at machina corp., is well known among his colleagues because of his temper and impatience. during a heated argument with one of his supervisors, he reacts with hostility. bob's manager calls him in for a discussion and listens to what he has to say about the incident, while treating him with dignity and respect. this scenario can be best categorized as one that used