Please, answer for ratios

Client Financial Information
Assets & Liabilities		Annual Income & Expenses
Joint Money Market Account	$ 5,500	Jane's Gross - Part Time Wages	$ 15,000
Boat	$ 25,000	Gifts to Family	$ 2,500
Credit Card B (For Clothes)	$ 4,000	Homeowner's Insurance	$ 1,250
Mortgage Balance	$ 80,000	Auto insurance/registration	$ 1,100
Cash on Hand	$ 1,500	Income Taxes	$ 25,000
House	$ 120,000	John's Gross Salary	$ 100,000
Personal Property	$ 15,000	Food (For Groceries/Restaurants)	$ 10,000
Credit Card D (For Misc. Items)	$ 4,500	Utilities	$ 5,700
Jane's - Car Loan Balance	$ 10,000	Maintenance (auto & home)	$ 3,500
Joint Savings Account	$ 400	Charitable contributions	$ 10,000
Jane's Car	$ 22,000	Mortgage (including taxes)	$ 17,000
Credit Card A (For Groceries/Restaurants)	$ 3,000	Combined Auto Loan Payment	$ 12,000
Joint Checking Account	$ 1,000	Boat Loan Payment	$ 5,000
John's - Truck Loan Balance	$ 28,000	Phone	$ 1,550
John's Truck	$ 40,000	Gas/Plane Tickets for Transportation	$ 4,200
Jane's 403(b)	$ 20,000	Prescriptions Expenses	$ 8,500
John's 403(b)	$ 70,000	Medical Bill Payments	$ 4,000
Boat Loan Balance	$ 8,000	Clothing	$ 5,500
Medical Bills	$ 12,000	Miscellaneous	$ 8,500
Credit Card C (For Travel)	$ 5,000	Internet	$ 650
		Medical Insurance Premiums	$ 6,200
		Life Insurance Premium	$ 1,600
		Credit Cards (sum of ALL credit card payments)	$ 3,500
		Jane's 403(b) - Contributions	$ 4,000
		John's 403(b) - Contributions	$ 4,000

Financial Well-Being Ratio Analysis
Area	Calculation	Ratio calculation	Ratio
Living Expenses Covered Ratio	Monetary Assets/Monthly Living Expenses
Debt Ratio	Total Liabilities/Total Assets
Debt Service to income Ratio	Annual Debt Payments/Annual Income
Saving Ratio	Annual Savings/Annual Living Expenses
Investment Assets to Total Assets Ratio	(Investment Assets+Retirement Assets)/Total Assets