12)Calculate the Gross Debt Service (GDS) and the Total Debt Service (TDS) ratios for the following data. (Round your answers to 2 decimal places. Omit the "%" sign in your response.)

Monthly mortgage payment = $2,400 Property taxes = $260 Heating costs = $175 Other housing costs = $130 Personal loan payment = $210 Car loan payment = $260 Credit card payment = $210 Gross monthly household income = $10,800

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Gross Debt Service % Total Debt Service %