I need help 2 questions

Closing a credit card usually _your debt ratio.a. increasesb. decreasesc. improvesd. has no effect on

What is the result of the following division?

Three baby penguins and their father were sitting on an iceberg 0.50.50, point, 5 meters above the surface of the water. the father dove down 4.74.74, point, 7 meters from the iceberg into the water to catch dinner for his kids. what is the father penguin's position relative to the surface of the water?