d. A java program is required to initialize , display and arrange the elements of an array is ascending order. Write a class oriented program to implement the process. (4mks) QUESTION (4) FOUR a) Many financial institutions make decisions about extending credit and financing major purchases based on a customer's income that is spent paying off other debts such as mortgages, automobile loans, credit cards etc. Typically, all debts are added together and then that total is divided by the monthly income, customers with a lower income to debt ratio are more likely to qualify for a loan. As an intern at the employee's credit union, you have been asked to create an interactive income to debt ratio calculation program that can run as a stand alone java application, the program should allow different input values. (6mks). b) A small proprietary school that offers distance learning courses would like an application that calculates total tuition and fees for their students. Users will input the number of hours and the program should calculate the total cost. Cost per credit hour for full time(greater than 15hours) is ksh 445.00 per credit hour; 15 hours or less costs ksh 500.00 per credit hour. Write a java application using the scanner approach to solve the above (6mks)