The criterion of realism is also called the Laplace criterion

And buyer has a proposed monthly mortgage payment of $1,300, a monthly car payment of $350, a monthly student loan payment of $200, and a monthly income of $4,800. He is applying for a conventional loan that allows a 28% housing expense to income ratio with a 36% debit to income ratio. Which of the following is true?

A. Both housing expenses and debit to income ratios are acceptable B. Housing expenses to income ratio is acceptable, but debit to income ratio is not acceptable C. Debit to income ratio is acceptable, but housing expenses to income ratio is not acceptable D. Neither housing expenses nor debit to income ratio is acceptable

In today's workplace, outsourcing is focused more on saving money than on improving service quality and saving time

Indicate whether this statement is true or false.