How do banks interpret an individual's high debt-to-income ratio? A The individual would have to pay a large proportion of annual income for servicing the debt and is among the high-risk borrowers.

B The individual would have to pay a small proportion of annual income for the amount of debt he or she has and is among the low-risk borrowers.

C The individual has a large amount of debt for the amount of savings he or she has but is among the low-risk borrowers.

D The individual would have to pay a large proportion of annual income toward paying off the debt but is among the low-risk borrowers.