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 = $2,350 Property taxes = $250 Heating costs = $165 Other housing costs = $120 Personal loan payment = $200 Car loan payment = $250 Credit card payment = $200 Gross monthly household Income = $10,300 Gross Debt Service Total Debt Service % %