Given the following,calculate the GDS ratio.All income and expense items are annual. 
Definitions:
Creative Area
A space or domain where innovative ideas, artistic talents, and imagination are explored and expressed.
Sternberg's Theory
Pertains to the Triarchic Theory of Intelligence, proposed by Robert Sternberg, which outlines three distinct aspects of intelligence: analytical, creative, and practical.
Creative Intelligence
A facet of intelligence involving the ability to produce new ideas, innovate, and solve problems in novel ways.
Sternberg
Refers to Robert Sternberg, an American psychologist and psychometrician best known for his theory on intelligence and creativity.
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