May you please help me with this, thank you

Selected financial data for Surfer Co. is provided below: What is the debt to equity ratio for Surfer Co.? (Round answer to two decimal places). 3.73. 2.73. 0.73. 0.37. None of the above. Wilson Corporation wants to buy a delivery truck for its business. Dealership A has agreed to sell Wilson Corporation a delivery truck with the following terms: $12,000 down with 5 annual payments due at the end of each year of $10.000 at 10% interest. Dealership B has agreed to sell Wilson Corporation the same delivery truck with the following terms: $20,000 down with 6 annual payments due at the end of each year of $8,000 at 8% interest. Which dealership is offering Wilson Corporation a better deal and why? Dealership B's offer is better because the annual payment is lower. Dealership B's offer is better because the present value of the payments are less than Dealership A's offer. Dealership A's offer is better because the present value of the payments are less than Dealership B's offer. Dealership A's offer is better because the total payments under the plan are less than Dealership B's offer. Dealership B's offer is better because the annual payments are less than Dealership A