Calculate the DTI ratio $($as a percent$)$ for a borrower who has a gross monthly income of $$5,230$ and has a minimum credit card bill of $$250\mathrm{.}00,$ a car lease payment of $$354\mathrm{.}97,$ and a student loan payment of $$187,$ and who is applying for a loan for which the monthly payment will be $$2,684\mathrm{.}64.$ Round to the nearest whole number.