Mike and Cheryl and an adjusted gross income of a dollars. Mike just got a $3K raise

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Mike and Cheryl and an adjusted gross income of a dollars. Mike just got a $3K raise and Cheryl got a $1.5K raise. They are considering moving to a new house with monthly mortgage payments of m dollars, annual property taxes of P dollars, and annul homeowner's premium of h dollars. Express their front end ratio algebraically?
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