Table 4: Estimated lower limits for the M/Ls of bulge and disk after applying corrections for gas mass and dust extinction. The table lists the component (Col. 1), the estimated gas mass expressed as a percentage of the total mass (Col. 2), the estimated mean J-band extinction (Col. 3), the resulting lower limit for the corrected M/L (Col. 4), and the original (uncorrected) value of the M/L (Col. 5) for comparison.
Component Gas mass J-band extinction ${(M/L)_{\rm lower}}\ [M_{\odot}/L_{\odot}]$ ${(M/L)_{\rm uncorrected}}\ [M_{\odot}/L_{\odot}]$

Disk $\leq$ 7% $\sim$ 0.5 mag 0.4 $0.7\pm 0.4$

Bulge $\leq$ 20% $\sim$ 3.0 mag 0.02 $0.4\pm 0.2$

**Table 4:** Estimated lower limits for the M/Ls of bulge and disk after applying corrections for gas mass and dust extinction. The table lists the component (Col. 1), the estimated gas mass expressed as a percentage of the total mass (Col. 2), the estimated mean J-band extinction (Col. 3), the resulting lower limit for the corrected M/L (Col. 4), and the original (uncorrected) value of the M/L (Col. 5) for comparison.
Component	Gas mass	J-band extinction	${(M/L)_{\rm lower}}\ [M_{\odot}/L_{\odot}]$	${(M/L)_{\rm uncorrected}}\ [M_{\odot}/L_{\odot}]$
Disk	$\leq$ 7%	$\sim$ 0.5 mag	0.4	$0.7\pm 0.4$
Bulge	$\leq$ 20%	$\sim$ 3.0 mag	0.02	$0.4\pm 0.2$

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