Xavier's monthly assets and liabilities are in the table below.What is Xavier's debt-to-income ratio? 
Definitions:
Absolute Zero
The point on a scale at which no quantity of what is being measured exists, representing a complete absence of that entity.
ACT
A standardized test used for college admissions in the United States, measuring skills in English, mathematics, reading, and science, with an optional writing test.
Standard Score
A score that has been transformed to fit into a standard scale, allowing comparison across different tests or assessments.
Sten Score
A standardized test score that typically ranges from 1 to 10, used to compare an individual's performance on a test to a normative population.
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