[
  "A ratio compares two quantities using the same unit. First find each person's savings in dollars.",
  "Kem = $5. Stewart = Kem + $7 = $5 + $7 = $12. Ratio of Kem to Stewart = 5 : 12.",
  "The ratio of Kem's savings to Stewart's savings is 5 : 12. Answer: 5 : 12 (option D)."
]