A company plans to produce A product with A unit price of 12 yuan next year, and there are two production schemes available: Scheme A has A unit variable cost of 6.72 yuan and A fixed cost of 675,000 yuan; The unit variable cost of Plan B is RMB 8.25 and the fixed cost is RMB 401,250. The total capital of the company is 2250,000 yuan, the asset-liability ratio is 40%, and the interest rate of debt is 10%. Annual sales are expected to be 200,000 units and the company is in the midst of a tax holiday. Requirements:

(1) Calculate the operating leverage coefficient of the two schemes, and predict how much the EBITDA of the two schemes will decrease when the sales volume drops by 25%.

(2) Calculate the financial leverage coefficient of the two schemes, and explain how EBITDA and interest affect financial leverage.

(3) Calculate the joint leverage coefficient of the two schemes and compare the total risks of the two schemes.