Scenario 1: Jack and Jill are looking to purchase their first home and we need to discover what their debt-to-income ratios are. Jack makes a gross income of $4,567 a month while Jill makes a gross monthly income of $3,200. Jack and Jill have a mortgage payment of $750 a month. They also have credit card payments of $50 and $25 a month, they have two car payment one for $111 (which will be paid off in 6 months) and $256. They also pay $120 for their cell phone and make a monthly contribution to their 401K of $1,200. What is their front end and back end DTI