Calculate the DTI ratio $($in percent$)$ for a borrower who has a gross monthly income of $$4,875$ and has a minimum credit card bill of $$135,$ a car lease payment of $$256\mathrm{.}78,$ and a student loan payment of $$236,$ and who is applying for a loan with a monthly payment of $$2,031\mathrm{.}79.($See Example $1)$